davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (IA)

In XX/XX/year>, I noticed that my bank account showed my funds being pulled for auto withdrawal to my Edfinancial account. However, my Edfinancial account says that I have yet to pay them. I called regarding this in XXXX, and they said they would submit it to the financial department for resolution. However, it still needs to be resolved. 
Then, I called again in XXXX and was told the same thing. It was never updated, and I never received a follow-up phone call. 
Next, on XX/XX/XXXX, I spoke to a customer service person named XXXX. She also submitted it to the financial department as an emergency. It still needs to be updated and followed up. 
Then, on XX/XX/XXXX, I took off work to resolve this problem. I spoke to a woman named XXXX, who was talking to " someone who could fix it, '' and was disconnected. She never called back. I then called back and spoke to XXXX, who told me it was submitted as " an emergency '' and did not move anything forward. Then I called back and talked to a woman named XXXX XXXX, who kept me on the phone to try to get it resolved with the financial department. She said the " emergency '' was put forth on XX/XX/XXXX and can take 7-10 business days. She stated she would take my issue to the financial department and call me back. She did call me back and said the following : " I did get word that the error has been corrected, and they were able to search those down and apply them to your account ; allow it to 24 to 48 hours to show it's reflected, and I will also leave notes on your account... and I will keep an eye on your account.. .. '' Unfortunately, it has not been updated and does not reflect my payments. 
Then, on XX/XX/XXXX, I called again on my way to work and spoke with who I believe was named XXXX, who also said it would take 24-48 hours. And now, it is Friday, XX/XX/XXXX, and my account still needs to be updated to show my payments. 
I am at a loss as to what to do. I have requested to speak to the financial department that all customer service reps refer to and need to request aid from. However, I am told that it is impossible. I have asked to speak to a supervisor and was told it is impossible.
Consumer complaint received 2024-07-03
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 am writing to formally dispute the unauthorized inquiries on my credit report for the FOURTH time. Despite my previous correspondence and submission of the required documentation, including the FTC Identity Theft Report, these unauthorized inquiries remain on my credit file. Upon contacting the respective institutions, it was confirmed that these inquiries were made in error. Additionally, I have been assured that these inquiries would be promptly removed from my credit report. However, it has come to my attention that, unlike your bureau, both XXXX and XXXX no longer report these unauthorized inquiries subsequent to the submission of the FTC report. It is perplexing and concerning that your bureau continues to report these inquiries despite clear evidence of their fraudulent nature and assurances from the involved institutions. According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes, promptly reviewing all relevant information provided by the consumer.I am requesting an immediate reinvestigation of these unauthorized inquiries. This investigation must include a detailed review of the method of verification employed by your bureau to substantiate the continued reporting of these inquiries. If your bureau can not provide conclusive proof that these inquiries were authorized by me, they must be deleted from my credit report without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-29
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. (FL)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My account with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Consumer complaint received 2024-07-03
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)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX {$630.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX : {$630.00} XXXX XXXXXXXX XXXX Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/year>
Consumer complaint received 2024-07-03
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balance XXXX : {$0.00}
Consumer complaint received 2016-03-25
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

NationStar Mortgage continues to apply unnecessary inspection fees to my account, NationStar claims that these are inspections to make sure the home is occupied. I have maintained constant communication with NationStar and continue to advise NationStar that my home is occupied, so NationStar well knows that I continue live in my property. These frequent inspections consist of a door tag with NationStar 's contact number. Additionally NationStar has applied additional home inspection fees of {$640.00} and legal fees of {$2000.00} to my account with out justification. NationStar continues to violate California 's Home Owners Bill of Rights by adding unexplained fees to my Veterans Affairs mortgage loan.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance Owed : {$980.00} XXXX XXXX XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX Owed XXXX {$980.00} XXXX XXXX XXXX Balance Owed : {$0.00} REC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance XXXX : {$980.00} XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed XXXX {$0.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2024-07-03
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. (NC)

I am writing to express my profound frustration and concern regarding the repeated inaccuracies present in my credit report. This is now the multiple time I am contacting your bureau to dispute the erroneous student loan accounts that have been inaccurately attributed to my credit file. Despite my previous dispute letters and the submission of all necessary documentation, including proof of my non-involvement with these accounts, these inaccuracies persist on my credit report. This continuous oversight not only affects my financial standing but also raises serious concerns regarding the efficacy of your bureau 's investigation and verification processes. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a thorough and timely investigation of disputed information, ensuring that any unverifiable or inaccurate data is corrected or removed from the consumer 's credit report. The continued presence of these erroneous student loan accounts on my credit report suggests a clear deviation from these mandated procedures. I demand an immediate and comprehensive reinvestigation of these disputed accounts. Your bureau must review the verification process employed and provide a detailed explanation of the methodologies and communications used to substantiate the accuracy of these accounts. If the accounts can not be verified as accurate, they must be expunged from my credit report without further delay. 

XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-20
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. (NY)

There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. 
The accounts are as follows XXXX  XXXX Balance {$500.00} XXXX XXXX XXXX  Balance {$45.00} XXXX  XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX Balance {$1900.00} Hard inquires XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Consumer complaint received 2024-07-01
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-01
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. (FL)

I sent this request that credit Bureaus that needs to reinvestigate the disputed items from my credit report as well as correct this items from my report during the investigation period. As of this date, you have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-11-20
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: Experian Information Solutions Inc. (LA)

I have been in the process of purchasing a vehicle and because I know how inquires can affect my score, I was very clear on who can pull my credit. I have been a realtor for 11 years and 11 months, so I know the importance of credit. I contacted Experian and they REFUSED to investigate. 
If you are going to take the time out to place these on my report, credit bureaus, you should be obligated to investigate them. I was told there would be NO investigation, but they will remove them in 2 years. That is NOT acceptable to me. 
The ONLY companies I approved to pull my report were XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, and XXXX. 
There needs to be a law to better control these credit bureaus. These are people lives we are talking about.
Consumer complaint received 2024-07-15
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. (KY)

It is my sworn statement that the below listed account is not mine and needs to be marked for identity theft and deleted immediately as I did not originate this account. Pursuant to 15 USC 1681c-2 please delete this fraudulent account. US DEPT ED XXXX SEE ATTACHED IDENTITY THEFT REPORT. 

That fact that this account was verified is ridiculous and your agency may be setting itself up for a lawsuit. This is a fraudulent account that I never created. According to the FCRA, more specifically 15 USC 1681i, a REAL re-investigation must be performed immediately and this needs to be deleted.
Consumer complaint received 2024-07-03
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. (MS)

I AM VERY DISPLEASED THAT I SEE MANY FRAUDULENT ACCOUNTS ON MY CREDIT REPORT.THIS IS REALLY DAMAGING MY CREDIT WORTHINESS. I AM TRYING TO BUY A HOME FOR ME AND MY CHILDREN AND THIS IS NOT FAIR. I HAVE TRIED SEVERAL TIMES TO GET THESE ACCOUNTS REMOVED. LET ALONE, MY INFORMATION WAS IN A XXXX AND EQUIFAX BREACH SOME MONTHS AGO SO I THOUGHT YOU ALL WOULD PROTECT MY CONSUMER REPORT. I DO NOT FEEL THAT MY INFORMATON IS BEING PROTECTED. THIS IS A DEFAMATIOM TO MY CHARACTERAND THIS IS A FEDERAL LAW VIOLATION.ACCORDING TO, 15 USC 1681 [ A ] [ 1 ] [ 2 ] [ 3 ] [ 4 ] MY COMSUMER REPORT FAIRNESS AND PRIVACY HAS BEEN VIOLATED. I AM UPSET! I AM DEPENDING ON THE BANKING SYSTEM AND CREDIT REPORTING AGENCIES TO PROMOTE MY PRIVACY AND FAIRNESS AND THEY HAVE NOT.THIS IS NOT RIGHT AND GOING AGAINST MY FEDERALCONSUMER RIGHTS. CAUSING EMOTIONAL AND MENTAL STRESS NOW.ALSO, IT IS ILLEGAL THESE COMPANIES SHOULD NOT BE FURNISHERS OF PEOPLES INFORMATION TO XXXX PARTYCOMPANIES ITS ILLEGAL, NEGLECT AND FRAUD. I HAVE ALREADY REPORTED THIS TO LOCAL POLICE AND FAIR-TRADE COMMISSION.THESE COMPANIES CAN BE SUED FOR DAMAGES.THIS IS NEGATIVELY AFFECTING MY LIVELYHOOD AND PUTTING ME IN A BAD SPACE. I FEEL YOUR DATABASE IS INACCURATE AND I AM FILING LIGATION AGAINST THIS IF THESE ITEMS ARENT REMOVEDIMMEDIATELY.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

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 2024-07-03
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX Balance Owed : {$4600.00} XXXX  XXXX XXXX Balance Owed : {$4600.00}
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I am writing to dispute inaccurate information reported by XXXX, Equifax, and XXXX on my credit report regarding my account with XXXX XXXX ( Account Number : XXXX ). The report incorrectly shows late payments for XXXX, XXXX, and XX/XX/year>. XXXX reported that I made a {$0.00} payment on XX/XX/year>, when in fact I redeemed points for cash in the amount of {$49.00}. Additionally, the remainder of the XX/XX/year> payment was made on XX/XX/year>, which falls within the XXXX grace period stipulated by the CFPB for the due date of XX/XX/year>, and should not be reported as late. Despite these facts, XXXX, Equifax, and XXXX have falsely reported my account as late as of XX/XX/year>, and have reported a past due amount of {$930.00} as of XX/XX/year>, which is incorrect. Furthermore, XXXX XXXX extended the due dates for these payments XX/XX/year> and XX/XX/year> per an extension agreement dated XX/XX/year>.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

Please take a look at the attached letters and ID docs for verification that it is XXXX 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 2024-07-03
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)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report that is causing me harm due to it not being accurate my name is XXXX XXXX there should be no other names listed on my report. My only address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX this is my only address and any other address is incorrect and should be immediately deleted.