davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 2023-05-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (MI)

XXXX XXXX XXXX XX/XX/XXXX Address address XXXX XXXX XXXX XXXX XXXX XXXX until XX/XX/XXXX Mohela XX/XX/XXXX Loan # XXXX Loan # XXXX XXXX XXXX XXXX  requesting refund for loan paid off to XXXX XXXX XXXXx My name is XXXX XXXX , I became aware of the Lawsuit against XXXX XXXX XXXX XXXX XXXX XXXX in the summer of XXXX. At that point I had paid off the lesser loan with the XXXX It was somewhere around {$2000.00}. 

I have filed w/ the Dept of edu ( XXXX XXXX to repayment ) in XXXX of XXXX, At that point, one of the XXXX XXXX XXXX loans had been paid off in the amount of XXXX This was a XXXX Loan. 
In addition, and in addition I was approved under PSLF finally in XXXX of XXXX According to Mohela , and the PSLF department I hit the 120 day count in XXXX XXXX XXXX 

However according to that department, I would not receive a refund for the paid of XXXX XXXX XXXX loan, because it was paid in full in XXXX.- I also as to date have not had my credit bureau corrected with XXXX, XXXX or XXXX in accordance with the settlement. 
I have called XXXX, MOHELA, XXXX XXXX, and everyone I can think of to get this straightened out. 

Per the XXXX XXXX XXXXXXXX Settlement, any funds paid to these loans that existed would be refunded, So, therefore even though the loans I had in total were forgiven under the PSLF program, the date that those met the standard was XX/XX/XXXX. Any funds toward XXXX XXXX XXXXXXXX paid prior to that should be refunded. 
Here is an excerpt from that letter. 
provide a refund for any payments made to the Department of Education on your Relevant Federal Student Loan ( s ), including Relevant Federal Student Loan debt that you previously paid off ; and delete the credit report tradeline associated with the discharged loan ( s ). 

I recently checked my credit reports, which still show derogatory reporting in XXXX another condition of this settlement. 

I have contacted XXXX, Mohela, XXXX XXXX to repayment with no resolution. Please advise what if any steps need to be taken to receive this refund. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX
Consumer complaint received 2024-09-18
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. (FL)

Upon reviewing my credit report, I noticed that certain information has been furnished to your bureau without my written consent. As per 15 USC 1681b, Section 604 ( a ) ( 2 ), consumer reporting agencies like yours are only allowed to furnish consumer reports for specified permissible purposes and with the written consent of the consumer. However, I have never provided written consent for the furnishing of my information to your agency or for obtaining my information from any source. 
XXXX XXXX XXXX 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 2024-09-18
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. (PR)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my EQUIFAX credit report on XXXX, XXXX 2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am reaching out for your help to deal with the wrong account that is currently being reported on my credit report. This concern is serious as it has negatively impacted my reputation, and I need your assistance. The way my credit information was managed has caused me immense trouble, tarnishing my reputation because of the errors. You need to remove these false entries from my credit report.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 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 und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Consumer complaint received 2024-09-18
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. 

Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

ACCOUNT : XXXX XXXX CREDIT REPORTING AGENCY SHOWING INACCURATE INFORMATION ON MY CREDIT REPORT. THIS ACCOUNT IS A CHARGED OFF AND SHOWS STATUS AS OPEN WHEN IT SUPPOSSED TO BE CLOSED ACCOUNT, INFIRMATION IS INACCURATE n according with the FAIR CREDIT REPORTING ACT. Account number XXXX XXXX has violated my rights 15 USC 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 i SECTION 5 CREDIT REPORT INFORMATION HAS TO BE ACCURATE.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

Equifax is reporting inaccurate information on my credit report file. I have sent out multiple letters trying to correct this matter. Date of letter XXXX. I have also sent proof of address along with documentation. Any other address listed please delete I have never lived at those addresses. ( CFPB ) please help fix this matter.
Consumer complaint received 2019-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I am filing a complaint because there is an account on my Equifax report that does not belong to me. The account is with XXXX XXXX XXXX ; I have tried repeatedly to resolve this issue withe Equifax and have had zero success. In one of my recent disputes, they informed me that the account was verified ; howevever, they've provided no proof of their claim. I have asked for verification, but received none. 
Not only is Equifax reporting false information on my credit report, to my understanding, under Section 611 ( 5 ) ( A ) of the FCRA, they are to promptly delete all information which can not be verified. I am requesting that all information that this XXXX XXXX account, in which i have been trying to get removed for months, is removed, ASAP. 

Everytime that I have disputed this matter, their response is " The creditor has verified that this account belongs to you. '' I had no problems getting this issue resolved with XXXX and XXXX. A representative at XXXX told me that this is illegal on behalf of Equifax and that I could sue them for false reporting.
Consumer complaint received 2020-03-11
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (CT)

On XX/XX/XXXX I received a notice from my XXXX that I had a 30 day late payment on my Infiniti account for XX/XX/2020. When I called Infiniti the first time, I provided them not only the debit from my checking account showing the payment, but also their payment records showing the payment. When I called back, they informed me that since there is 31 days in XXXX, and I made the payment on XX/XX/XXXX that caused it to become a 30 day late ... I have been paying on credit for almost 20 years I have never heard of something like this. I have escalated the info to Infiniti, and also submitted a dispute with XXXX. That said, the result of this has caused my current credit score to be below the amount needed to secure a Home Equity Loan ... ..
Consumer complaint received 2024-09-18
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. (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, that I recently received. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity. The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatlyappreciated.
Consumer complaint received 2024-09-18
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. (PA)

For 24 months I keep disputing items personally and with the CFPB The company constantly Removes the disputed items then within a few days reinsert the items back into my credit report. 

In other words they claim to fix or delete the disputed items when I report to the CFPB. But later reinsert them back into my credit file as if the account is new. 
They have even reage and changed information in each disputed accounts. 

See example attached
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

XXXX Equifax XXXX XXXX Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-27
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. (NV)

i recently received my credit report and noticed I have been a victim of identity fraud and noticed numerous fraudulent accounts on my credit report I have also included a identity theft report with this complaint please remove these fraudulent accounts from my credit report as the law requires. 

aargon agncy account # XXXX date ( XXXX  XXXX XXXX XXXX # XXXX date ( XXXX
Consumer complaint received 2023-04-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (IL)

I had a Chime account prior to XXXX. When XXXX hit I had received and PPP loan and unemployment once that ran out. Chime closed my account saying it was fraudulent. I sent every piece of documentation they requested proving my identity and ownership and entitlement to my funds. To this day Chime refuses to return my funds which was close to {$2000.00}. I have sent and resent documents and all they say is I violated the terms. At this point I want my funds returned with interest and funds for wasted time and not eking able to pay my bills or feed my damily.
Consumer complaint received 2024-09-18
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. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-09-18
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. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2023-05-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (SC)

Hello. I have an outstanding credit card debt and Midland Credit Management has it. 
Yesterday I called this company in attempts to get some information on how to repay this debt, what is the interest rate, etc. 
The person who answered the call is a middle eastern man with a very thick accent who spoke very quickly making it difficult for me to understand what he was saying. I could however understand him somewhat. After I identified myself, this man went into a very long and boring spiel which was completely unnecessary. He didn't give me a chance to ask my questions and instead, began another long spiel regarding how to get a discount on what I owe. He rambled on and on to the point where I almost ended the call.

This man then asked me to make a payment to 'ensure ' the discount. I made an attempt to explain to him that I rely on Social Security and it is the end of the month so my funds are very low at this time. The guy then turned me over to his manager.

This manager is also middle eastern and spoke very quickly. She tried very hard to pressure me into making a payment, I told her the same thing I had told the first person. She was absolutely relentless and used a very demanding and accusatory voice.

I tried to remain calm and told her over and over that I absolutely could not make a payment. She then began badgering me asking me if I could make a {$80.00} payment then a {$60.00} payment until she stopped at {$45.00}. Again and again I told her I could not. This woman got angrier and angrier and demanded to know how much of a payment I COULD make!

Again I said I couldn't make ANY payment. She then threatened to take the money from my banking account even though she doesn't have my banking information and then lied saying she didn't say it. She stressed me out so much I told her to " have a good day '' and I hung up. 
I want to clear this debt but I can't unless I have more information which I did not receive. I refuse to deal with nasty demanding and pushy people. 
What can be done???