davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I received a copy of my credit report and found the following items to be " INACCURATE ''. 

1. INACCURATELY REPORTING XXXX Account number:XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 2. INACCURATELY REPORTING XXXX  XXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 3. INACCURATELY REPORTING XXXX XXXX XXXX XXXX  Account number:XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 4. INACCURATELY REPORTING XXXX XXXX XXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 5. INACCURATELY REPORTING XXXX XXXX XXXX XXXX  Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 6. INACCURATELY REPORTING XXXX XXXX  XXXX  Account number ; XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR 7. INACCURATELY REPORTING XXXX XXXX XXXX Account number : XXXX VERIFY ACCURACY WITH ORIGINAL CREDITOR By the provisions of the Fair Credit Reporting Act, I demand that these 'ALLEGED '' items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

i have filed this FTC Identity Theft Affidavitand now with you at the cfpb to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : 1. A personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX 
2. A personal credit card account opened at XXXX XXXX. 
3. A personal credit card account opened at XXXX XXXX XXXX. 
4. Another personal credit card account opened at XXXX XXXX XXXX. 
5. A personal loan account opened at XXXX XXXX XXXX XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
Consumer complaint received 2023-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC (NY)

My name is XXXX XXXX, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account below from my report : NATL RECOVER ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XXXX/XXXX/XXXX Balance : {$150.00}
Consumer complaint received 2024-09-27
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. (NC)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-09-27
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)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Owed : {$10000.00} - Late/closed - XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$9500.00} - Chargeoff- Equifax XXXXXXXX XXXX XXXX Date XXXX Balance Owed : {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX XXXX XX/XX/year> Balance Owed : {$10000.00} - Late/closed - XXXX XXXX XXXXXXXX Date XXXX Balance Owed : {$9500.00} - Chargeoff -
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

i have filed this FTC Identity Theft Affidavitand now with you at the cfpb to report 5 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : 1. A personal credit card account opened at XXXX XXXX XXXX XXXX XXXX  XXXX. 
2. A personal credit card account opened at XXXX XXXX. 
3. A personal credit card account opened at XXXX XXXX XXXX. 
4. Another personal credit card account opened at XXXX XXXX XXXX. 
5. A personal loan account opened at XXXX XXXX XXXX XXXX XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report.
Consumer complaint received 2023-11-19
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION (NC)

On XX/XX/2023, I received a phone call from a Navy Federal Credit Union Representative. He stated his name and began to talk to me about me about my checking account being 51 days past due and that it is on a freeze/hold until they receive a payment. I asked him are you calling to collect a debt? He said yes but never disclosed the reason for his call. He stated that they have tried to contact me multiple times and when I asked him about the dates they tried to contact me, he only stated 2 dates ( XXXX and XXXX ). He was the 5th representative that I have spoken to about this matter. I asked XXXX did they receive my deposit voucher? He stated that he did not see it in his notes. I said I have the green slip receipt stating that your company received it on XXXX and I explained that this debt is supposed to be discharged due to the tender of payment that was refused on XXXX and I wanted to know why was my account credited {$160.00}? He said it was an courtesy credit but it does not give a specific reason why. I said it was due to the Notice of Rescission that I submitted on XXXX ( Confirmation # XXXX ) I then asked his is Navy Federal Credit Union with the Truth in Lending Act and said yes angrily and asked me did I want him to hang up on me? I stated that he called me and I wanted my questions answered and that I was recording the conversation as well. He hung up on me. As I done my research, Navy Federal representatives have called me about the same matter on XXXX at XXXX, XXXX at XXXX, XXXX at XXXX and XXXX, XXXX at XXXX and XXXX, XXXX at XXXX and XXXX at XXXX from multiple navy federal credit union numbers and no one has disclosed that they are calling to collect a debt. I have recorded most of these calls because I stated each time that I wanted my account to be in good standing due to the fact that my children 's accounts are under my account as well and they still have money in their accounts.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OK)

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my XXXX score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation. 

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Consumer complaint received 2024-09-27
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-26
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

I submitted a dispute for 3 XXXX accounts and then these three were purchased by XXXX XXXX XXXX. I dont think they did an actual investigation. Otherwise, why is it ok for a company to say theyll delete accounts, not do it, and then the credit reporting agency be fine with it? I have sent them evidence of the company indicating they were deleting and they didnt even seem to look at this. They are just accepting that the company said its legit as though that should be enough. II have repeatedly asked for a verification of debt and they havent done it. They ignore that I asked for and the company ignored sending me a copy of the contract or anything showing my signature and they ignore or refuse me. I asked for an exact breakdown of fees and they refuse. Funny how it says credit limit of {$100.00} but owe like {$400.00}! I dont think they really investigated. Its like they just contacted XXXX and XXXX and took their word for it. They have the same debts on their twice both with original comenith and then XXXX XXXX XXXX. Because I had no card number they wouldnt even talk to me! I want them to have to show what I owe! I asked them to provide what the money they say I owe is for and they have ignored me. I asked them to explain and show how they calculated what I owe and they refuse. I asked for a copy of any paper bearing my signature. I asked for proof of agreement from me. They provided no proof at all, ignore my requests for the last three years, yet still report to credit agencies and the credit reporting agency honors them! This isnt right! Id like credit reporting agency to get a signature, contract, or fee breakdown to actually verify!
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

on XX/XX/year> I received an alert from Equifax stating a lending XXXX XXXX pull my credit report and added a hard inquiry. on XX/XX/year> I reached out to XXXX and was advised that this information is incorrect, and we have no customer by the name of XXXX XXXX that file for a loan on XX/XX/year>. I put in a dispute with Equifax and in XXXX they stated that the hard inquiry was correct. Which the information is not correct. the did not investigate the request Equifax just advised it was accurate without any proof and refuse to remove the inquiry from my credit report.
Consumer complaint received 2024-09-27
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. (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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-19
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: VYSTAR CREDIT UNION (FL)

I was told by XXXX XXXX that the loan was denied the loan was denied after being approved and upon signing off on the loan, they backed out because they said I my job wasn't properly described in the loan application. I said I was a truck driver that delived/repaired appliances. I drive a XXXX XXXX  to deliver these appliances and it is rated under the XXXX as such. This has actually happened twice with XXXX and Vystar bank. The first time was a few months prior with a business loan. I did not file my taxes due to us waiting on the tax preparer to schedule us in. XXXX XXXX advised us to enter our tax information into XXXX XXXX  so that the underwriter could see our tax info. After doing this we were denied because it was off. We told XXXX XXXX that we do not prepare taxes but we did this because our business needed the funds to start our build out of the ice cream shop. We were denied and it made us look like we did fraudulent activity. This is not right. My wife had totalled our car and we have NEVER MISSED ANY PAYMENTS. We needed a car to take back and forth to hospital visits because we were renting a car every week.
Consumer complaint received 2024-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with was never late! I have had exceptional payment history witH XXXX  XXXX 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.

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
Consumer complaint received 2023-04-25
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC. (FL)

I took out a loan ( account number XXXX ) with Santander Consumer USA in XXXX for the purchase of a new boat.The boat is a vessel documented with the United States Coast Guard and thus does not have a state title. I paid off the loan in XXXX of XXXX but never received a satisfaction of mortgage. I sold the boat in XXXX of XXXX but the person buying the boat is unable to get the boat documented with the Coast Guard as Santander USA has still not submitted a proper release of lien to me or the Coast Guard. I filed a complaint with the CFPB and Santander sent me a lien release on XXXX XXXX. This lien release was sent to the Coast Guard National Vessel Documentation Center but was rejected as " the satisfaction of preferred mortgage is not eligible for recording because the legal capacity of the person signing on behalf of XXXX XXXX is missing. " The Documentation Center is requesting a new instrument be sent that includes the required information. I spoke to Santander Consumer USA today and was told that they would not accommodate my request and that I should file a second complaint with the CFPB. My first complaint with CFPBXXXX am requesting your assistance in getting Santander Consumer USA to submit an acceptable lien release to me and/or the National Vessel Documentation Center.
Consumer complaint received 2024-07-24
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: 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.

15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-07-24
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. (AZ)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.