davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
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. (AK)

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 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (MI)

I received a letter from Equifax on XX/XX/year> dated XX/XX/year> informing me that Equifax had received my request for my free annual credit report. The letter states " We were unable to locate a credit file in our database with the identification information you provided. '' My CFPB complaint XXXX states that I requested the report over the phone multiple times and at the annual credit report website with all of my proper identifying information. XXXX and XXXX compiled with my online requests and disclosed by free annual credit report for 2024. Equifax continues to refuse to provide me with my free annual credit report unless I provide Equifax with the following : " DOCUMENTATION. PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, PAY STUB. W2 FORM OR 1099 FORM AS PROOF OF SOCIAL SECURITY NUMBER. ALSO, PLEASE SUBMIT A COPY OF YOUR DRIVER 'S LICENSE, STATE-ISSUED IDENTIFICATION CARD, UTILITY BILL, CELL PHONE BILL, PAY STUB, W2 FORM, 1099 FORM, RENTAL OR LEASE AGREEMENT/HOUSE DEED, MORTGAGE STATEMENT OR BANK STATE ENT WITH THE CORRECT ADDRESS AS PROOF OF YOUR CURRENT ADDRESS. '' It is clear to me that Equifax is refusing to comply with Federal Law related to my free annual credit report request in 2024. Equifax has done this to me before. Equifax has a history of information breach and refusals to provide me with my free annual credit reports. I have followed all of the requirements for submissions of my free annual credit reports and Equifax continues to refuse my requests.
Consumer complaint received 2024-07-02
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. (SC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXX/XX/XXXXXXXX Date of Inquiry XX/XX/XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXXXX/XX/XXXXDate of Inquiry XX/XX/XXXXXX/XX/XXXXDate of Inquiry XX/XX/XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of XXXX XX/XX/XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXX
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED - XXXXXXXX XXXX/DEPT OF ED - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed XXXX XXXX XXXX Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Consumer complaint received 2024-07-02
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. (FL)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-02
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. (AZ)

I am formally requesting the REMOVAL OF LATE MARKS ONLY from the following accounts in my credit profile, as they are misleading and erroneous. Under the Fair Credit Reporting Act, 15 USC sections 1681i, you are required to complete your investigation within 30 days ; failure to do so will result in a violation of the Act and potential investigation by the Federal Trade Commission : XXXX : XXXX XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00} XXXX : XXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$13000.00} XXXX : XXXX XXXX XXXXXXXX Date Reported : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$13000.00}. Additionally, please provide evidence that these accounts belong on my report and ensure that my rights have not been violated. If no record exists, update the inaccurate account information as soon as possible.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$53000.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-11-19
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. (FL)

The inquiries listed on my credit report do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MS)

I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$270.00} ; XX/XX/XXXXXXXX XXXX Balance : {$0.00} ; XX/XX/XXXXXX/XX/XXXX ; XX/XX/XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX ; XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$270.00} ; XX/XX/XXXXXXXX XXXX Balance : {$0.00} ; XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ;XX/XX/XXXXL XX/XX/XXXX ; XXXX XXXX XXXX I XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2024-07-02
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. (NY)

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.

and list of Inquiries.

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 2024-07-02
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. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-07-02
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. (FL)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX
Consumer complaint received 2024-07-02
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 : DEPTEDXXXX XXXX Balance Owed : {$570.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$6000.00} CONNS XXXX Balance Owed : {$8500.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$5500.00} DEPTEDXXXX XXXX Balance Owed : {$7600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1200.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$3700.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$570.00} DEPTEDXXXX XXXX Balance Owed : {$6000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$5500.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$7600.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1200.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$1600.00} DEPTEDXXXX XXXX Balance Owed : {$3700.00}
Consumer complaint received 2024-07-02
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$11000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Owed XXXX {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} 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 2024-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (PA)

I canceled my gym membership in XXXX. Aldous and Associates contacted me and said I am in collections for my gym membership. 

They are asserting that I have missed payments for my membership despite having cancelled the membership.
Consumer complaint received 2021-12-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I have disputed the incorrect information regarding the amount of {$27000.00} on the year of XXXX, {$1900.00} that reported in XXXX, {$3300.00} also on XXXX, {$2600.00} in XXXX, {$1600.00} in XXXX, {$1100.00} in XXXX, {$9900.00} in XXXX, {$4000.00} in XXXX, {$5200.00} in XXXX, {$9500.00} in XXXX. The three credit bureau 's have also failed to respond within 30 days of my disputes in the past.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the accounts, inquiries and erroneous personal information which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX Owed : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX AZ XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX XXXX Owed : {$0.00} XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items 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.
Consumer complaint received 2021-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I am writing to complain about an encounter I experienced with Capital One Bank. I spoke with one of the representatives on/about XX/XX/XXXX about a credit line increase and the representative informed me that I was eligible and would be approved for an increase and would be approved as long as a {$60.00} payment to the account was made to bring the account below the credit limit. The representative told me to request the credit line increase through the XXXX phone service and it would be approved. When I went to make the payment over the phone and request the increase over the phone 's XXXX service it told me to wait 10 days for a response. I received my response today on XX/XX/2021 right before XXXX holiday and says I was declined. I used my last {$60.00} thinking I would be approved for an increase. And immediately, a {$5.00} charge was added to the limit.
Consumer complaint received 2024-07-02
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)

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5400.00} XXXXXXXX XXXX XXXX Balance : {$58000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance XXXX {$810.00} XXXX XXXX XXXX XXXX Balance : {$59000.00} XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXXXXXX XXXX XXXXXXXX Balance : {$58000.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX Balance : {$810.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00} XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXXXXXX XXXX XXXX Balance : {$58000.00}
Consumer complaint received 2023-07-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Self Financial Inc. (MI)

On XX/XX/XXXX, I paid off the remainder of the credit building loan. After the loan is paid off, they are supposed to send me the payout. It is now XX/XX/XXXX and I still havent received anything. I submitted a complaint before about this, afterwards they sent me a message saying I need to verify my identity by sending in some documents in order to receive payout. I informed them of my special but reasonable circumstances ( I am currently living abroad without a social security card and no realistic way of obtaining one ), however I would still be able to send in the others, which I believe is sufficient to prove my identity. Unfortunately, they are unable to make an exception in my special circumstance, and now my money that I am rightfully owed ( approx. {$500.00} ) is being held indefinitely by this company. If they do not make an exception for my reasonable circumstances, then I will never receive the money I am owed, which is completely unacceptable. I want my money returned to me ASAP.
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I have had some inaccuracies on my report for about a couple of months I have tried repeatedly to remove these negative items off my report these accounts have not been verified on my report and it has been 30 days or more that these accounts have been on my report