davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX. 

XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-04
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)

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 2024-10-04
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. (FL)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-04
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)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TN)

XX/XX/2024, i filed for the XXXX plan. 90 days went by and I heard of no other correspondence. In XXXX, I contacted XXXX through the online chat. The agent i spoke with, XXXX, had difficulty with finding my XXXX XXXX plan. After awhile, she said she could see an application filed on XX/XX/XXXX and that i would need to contact Mohela to get an update on it. 
I sent a correspondence via mohela.studentaid addressing my concerns. I got a message back that stated i was on the XXXX plan. 
Today, XX/XX/2024, i realized that my loans were not in forbearance because of the XX/XX/XXXX " stay '' ruling. I called mohela at about XXXX XXXX and informed that i was not on the XXXX plan, despite my correspondence. The agent i spoke with said that the correspondence i received was sent in error. 

After 8 months, i learned that XXXX ) my XXXX application was never processed, XXXX ) my application can not be found, and XXXX ) I was mislead by a correspondence letter that stated i was on the XXXX plan, when actually i was not. 
If my application would have successfully processed 90 days after the time i submitted it, i would currently be on forbearance because of the XX/XX/XXXX ruling... however, i am not. 

And then i was told that i can still apply for the save plan, but it would not be active until after the XX/XX/XXXX pause is lifted. 

I have screenshots of XXXX, the chat agent i spoke with in XXXX. 

The Mohela agent i spoke with over the phone, today, was XXXX. 
XXXX id XXXX Mohela lost my application and mislead me to believe i was on the XXXX plan, hindering my payment qualification of {$0.00} per month. 
After the 90 day period, i shouldve been paying {$0.00}, but i was instead paying ~ {$50.00} per month still with interest still accruing ( since apparently not on the XXXX plan ).
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2024-10-04
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. (TX)

I am writing to formally dispute the accuracy of the information contained in my credit report, as provided by your agency. I believe this information has been furnished or obtained without my written consent, which violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681.

Specifically, I have not provided any written authorization for the release or reporting of my credit information to your bureau. The FCRA requires consumer consent prior to the dissemination of credit information, and I have not given such consent in this instance.

I request that you investigate this matter and remove any disputed information that was obtained or reported without my authorization. Please provide me with a written response detailing the outcome of your investigation. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (OH)

Dear : Debt Collector I am writing to request a copy of the purchase agreement related to the debt you are attempting to collect from me.

To better understand the validity of this debt and the terms under which it was incurred, I ask that you provide the following : 1. The Original purchase agreement or contract.

2. Details of the terms and conditions 3. Documentation supporting the accounting history including transaction history Please send the requested information within 30 days. I appreciate your cooperation and look forward to your prompt response.

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

According to 15USC 1681b ( a ) ( 3 ) ( A ) I am requesting that the inquiry that is not connected to any open credit account and occurred on XX/XX/2022 pertaining to XXXX be removed. 

( 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

The credit reporting agency is in violation of 15 USC 1681a ( 2 ) I by reporting transactions between myself and XXXX XXXX on my credit report. The law clearly states the term credit report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. The word person refers to a corporation. So XXXX XXXX is the person and I am the consumer. The credit reporting agency should not be displaying this information such as late payments on my credit file. The credit reporting agency has also violated 15 USC 1681b ( 2 ) which states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance to with the written instructions of the consumer to whom it relates. I never wrote any credit reporting agency asking them to furnish anything on my credit report. In fact, I've done the opposite. I have written several letters opting out and asking the credit reporting agency not to furnish information on my credit file without my permission. I have been a victim of fraud and identity left in the past and I am asking the credit reporting agency to abide by the FCRA and respect my privacy.
Consumer complaint received 2024-09-17
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. (NC)

Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> I am writing to file a formal complaint against XXXX XXXX, Experian and XXXX XXXX their XXXX of a fraudulent bankruptcy entry on my credit report. This entry is the result of identity theft, and despite my efforts to resolve the issue directly with the credit reporting agencies, the problem persists unresolved. Below are the details of my complaint : Identity Theft Incident 1. Nature of Fraud : An unauthorized bankruptcy was filed in my name without my knowledge or consent. 2. Date of Discovery : XXXX, XXXX XXXX. Impact : This fraudulent bankruptcy entry has severely damaged my credit report and financial standing, affecting my ability to obtain credit and maintain a positive financial profile. 
Actions Taken XXXX. Reporting the Incident : I filed an identity theft report with Federal Trade Commission ( FTC ) ] Report Number XXXX. 
I have submitted a personal statement to the credit bureaus detailing the identity theft and requesting the immediate removal of the fraudulent bankruptcy entry. 
XXXX. Dispute with Credit Bureaus : I have disputed the fraudulent bankruptcy entry with XXXX XXXX, Experian and XXXX under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft within four business days. 
I have notified the credit bureaus that I am opting out of information sharing and withdrawing any consent for the reporting of this fraudulent bankruptcy.

Issues Experienced 1. Lack of Response and Action : Despite my disputes and identity theft report, the fraudulent bankruptcy remains on my credit report. Negligent Violation under 15 usc 1681o.

The credit bureau has not removed the fraudulent information in a timely manner, as required by 15 U.S.C. 1681c-2. This section of the FCRA requires removal of such information within four business days.

The credit bureau has not provided adequate verification or a satisfactory explanation for the continued presence of the fraudulent bankruptcy entry.

2. Privacy Violations : The handling of my personal information appears to be inconsistent with privacy protections under 15 U.S.C. 6802 ( Opt-Out Right ) and 16 C.F.R. 313.7 ( Prohibition Against Disclosures to Nonaffiliated Third Parties ). My personal data has been improperly used, impacting my financial standing. 
XXXX. Non-Compliance with Fair Credit Reporting Act ( FCRA ) : According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information. The continued reporting of this fraudulent bankruptcy indicates non-compliance with this requirement.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (ID)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

I have sent dispute requests to Equifax regarding the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX I have sent disputes to XXXX regarding the following account numbers : XXXX, XXXX and XXXX. I have sent dispute requests to XXXX regarding the following account numbers : XXXX, XXXX, XXXX, XXXX and XXXX. The date of these disputes are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite these letters being sent to these three bureaus, there has been no resolution or corrections. Furthermore, there is no dispute verbiage on these accounts.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (FL)

This company DIVERSIFIED ADJUSTMENT SERVICE , INC is currently reporting inaccurate, incomplete, and unverifiable information on my credit report. I do not recall owing them anything. Furthermore, they never produce any chain of title of proof of ownership of the debt. I am disputing any and all debt and credit reporting information. Please see the attachments. XXXX XXXX.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.
Consumer complaint received 2024-10-04
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. (NJ)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-04
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. (TX)

I've noticed some incorrect information on my credit report that seems to be in violation of 15 USC 16c-2. The details are inaccurate and negatively impacting my credit score.
Consumer complaint received 2024-10-04
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. (MI)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX, I received a notice from the State of Maryland that I owed {$1000.00} in taxes from XXXXXXXX XXXX {$240.00} interest and {$100.00} penalty, totaling {$1400.00}. I called Capital One and learned they allowed a private individual fraudulently to cash my estimated tax check dated XXXX, payable to Comptroller of Maryland, in the amount of {$1200.00}. ( The back of the check reads, " Pay to the order of XXXX XXXX, followed by a signature ; she didn't even bother forging my signature and yet the bank still cashed it ). I requested a check image that I did not receive until XXXX XXXX XXXX I spoke with a Capital One customer service rep and her supervisor, who advised me that she was informing an investigator, and that I would be receiving a follow-up telephone call that I never received. On XXXX I sent a letter to the CEO of Capital One, after which I received a voicemail from an assistant informing me that it was too late to refund me the check. On XXXX, I received a notice from the IRS that I owed {$4800.00} in taxes from XXXXXXXX XXXX {$980.00} interest and {$230.00} penalty, totaling {$6000.00}. On XX/XX/XXXX, I called Capital One and spoke with a customer service rep and her supervisor, who confirmed that Capital One allowed the same private individual who cashed the Maryland check to cash my check in the amount of {$4800.00} dated XXXX and payable to US Treasury. The supervisor sent me the image and on XXXX I spoke with an account specialist, who claimed she couldn't locate the check ( though I gave her the account number, check number, date and amount ) but she would " open a case '' and there would be " no time frame. ''
Consumer complaint received 2024-10-04
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. (TX)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report.

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.