davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
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. (CO)

There is a closed XXXX XXXX credit card that is showing paid and closed. I have disputed this repeatedly XXXX XXXX recognizes that this card doesn't exist in my name the payment history one this card is wrecking my credit score. I am demanding XXXX from XXXX XXXX and equifax for refusing to remove this alleged item as per the FCRA plus the deletion and updated credit report showing the deletion. I REPEAT XXXX XXXXXXXX HAS CONFIRMED THIS CARD/ACCOUNT DOES NOT EXIST.
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Atlanticus Services Corporation (VA)

I sent XXXX letters XXXX to get the 1099C that is required when a debt is written off. They have failed to provide information. The sold the account and now a third party is trying to collect on a debt that is written off and closed.
Consumer complaint received 2024-10-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC. (TX)

They offered me payments of {$120.00} a month I have been paying that for years and just recently found out that only covers interest they should have told me that so I could make a better decision why would I waste years paying only interest
Consumer complaint received 2024-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Navient sent my two school loans to XXXX. I received two letters from XXXX stating they were both forgiven with {$0.00} balance. Now I'm receiving mail from Navient saying I still owe the money for two loans. 
I wrote to Navient with copies of the letters showing they were both forgiven and they wrote back saying that was for my other loans but I don't have other loans. They didn't offer to show what other two loans they were talking about. I've been in their program for over 30 years and attended a XXXX XXXX that defrauded many by promising more money but in reality it was not. Now they have reported this to the credit bureau and I would like that removed.
Consumer complaint received 2023-03-06
Product: Credit reporting, credit repair services, 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. (IL)

I am filing this complaint due to the fact that I have been a victim of fraud and identity theft. I just discovered going on to my credit reports and really looking at what credit means, figuring out that someone had my information. On my credit report there is 2 hard inquires that I never authorized or had knowledge of. The 2 hard inquires are XXXX and XXXX XXXX. I knew that I never gave these creditors my information so I went ahead and disputed them off all 3 of my credit bureaus. Only one credit bureaus have been successful. Now that I have been struggling to get these off my report I contacted the original creditors stating the same thing and they validated that these were not mine and stated that they would contact all three bureaus stating these were identity theft, fraud, and to have them removed immediately. Now here I am still contacting the bureaus wondering as to why these inquires are still on there. I am filing this asking what XXXX stated I needed after all these steps. I need a identity theft report sent to them and Equifax credit bureau about the XXXX XXXX inquiry. I need 2 identity theft reports. OnXXXX for Equifax and one for XXXX. Please and thank you. I attached both credit reports.
Consumer complaint received 2024-09-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

My credit card was stolen last XXXX while I was on vacation in XXXX. I didn't know until I came back on XX/XX/XXXX. I immediately went to the bank and asked for their help. My credit card was stolen XXXX dollars, the bank told me that I don't have to pay it back, and then I applied to close all my accounts. About a week later a stranger used my personal information to open another credit card at the bank. I don't know how he got my personal information, but he used the new credit card to charge another {$1500.00}. I then went to the bank and applied to close the account again. The bank assured me that there would be no mistakes this time. In XXXX of this year I received a bill for {$4000.00} from a debt collection agency and I was very angry. The bank assured me that the problem had been resolved.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

I recently reviewed a copy of my credit report. I was shocked to learn I have been the victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible. 

DEPT OF EDUCATIONXXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (MA)

XXXX XXXX XXXX XXXX, I did a wire out of my XXXX account Monday XX/XX/XXXX for a client, XXXXXXXX XXXX. The money was wired to my client who banks @ Chase. The amount was {$170000.00}. 

I verified the account number and am 100 % confidant I provided all correct information. 

I am 100 % confidant there is no fraud. 

It's Thursday, my client does not have the funds yet. I got Federal ref. number from my bank XXXX - I initiated a wire trace on Tuesday XX/XX/XXXX with my bank, who, as of today, XX/XX/XXXX, has not provided an update. 

I am sure XXXX is waiting to hear from Chase to see where the funds are. But I am not hearing anything and I believe my bank, XXXX, or Chase, or both, are taking a very lackadaisical/cavalier attitude to a missing {$170000.00}.
Consumer complaint received 2024-07-08
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. (TX)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. 
I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to express serious concerns about issues I have encountered with the credit bureau. Upon reviewing my credit report, I discovered several inaccuracies, such as false account listings, unauthorized inquiries, inconsistent billing, and accounts that do not belong to me. These discrepancies are significantly impacting my financial security, and I urgently seek your assistance in resolving these issues.
Consumer complaint received 2024-08-29
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. (TX)

I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (UT)

FTC Report Number : XXXX : Report Number XXXX : Experian has been contacted by mail which their 30 days past due to respond back this fraudulent reporting and also contacted Experian by phone. On my Credit report the following collection company XXXX XXXX XXXXXXXX XXXX added on my credit report in the Status section states Creditor can not locate individual. So if this debt collector can't locate the creditor then how is this my debt? this is fraudulent reporting and inaccurate reporting. 15 U.S.C. 1681b ( c ) : Permissible purposes of consumer reports 18 U.S.C. 1028A : Aggravated identity theft 15 U.S.C. 1681b : Conditions for furnishing and using consumer reports 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681c-2 : Blocking of information resulting from identity theft Legal Rights : According to 15 U.S.C. 1681c-2, you are required to block the information resulting from identity theft within four business days of receiving my request. Additionally, under 15 U.S.C. 1681g ( a ) ( 5 ). The following account is fraudulent XXXX XXXX XXXX XXXX Account number : XXXX Creditor can not locate individual.
Consumer complaint received 2024-07-25
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (IL)

Two issues : First one, filed a dispute. Wells fargo sent me an email at XXXX telling me they tried calling and emailing and were unable to reach me. I questioned this and they did finally respond that they could find record of them calling or messaging me. I asked why they would send a letter that made me panic to respond to them and what they were doing to stop it. They never responded. 

Second Issue : Same dispute above as above. They sent me a letter telling me they would be crediting me the full amount of the dispute. I called to ask when I would received it, they told me the letter was a mistake and they decided now to only refund me {$800.00}. 

I have records of all the above that I will provide as needed.
Consumer complaint received 2024-07-24
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Transform Credit Inc. (CA)

During the last week, I started receiving numerous loan offers from the XXXX website. Today, after great reluctance, I decided to try my luck. I was approved a loan of {$3000.00} after requesting {$5000.00}. I accepted. After submitting my banking info and personal info I was told that I would need a co signer in order to receive this loan. Of course this INFURIATED ME and I refused the loan. I feel that I was discriminated against because of my zip code and ethnicity.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX violated Section e ( 10 ) of the federal Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 10 ), which prohibits the " use of any false representation or deceptive means to collect or attempt to collect any debt. '' attempting to collect a debt falsely represented that XXXX XXXX XXXX had a legal right to collect the debt XXXX XXXX XXXX is required to have a license under the New Jersey Consumer Finance Licensing Act, XXXX. XXXX et seq. ( XXXX ) to pursue collection, XXXX XXXX XXXX is a unregistered in the state of New Jersey and unbonded in the state of XXXX XXXX is registered under NMLS ID : XXXX in the state and city of XXXX VIRGINIA XXXX Branches : CA, XXXX, KS, NC, XXXX, TN, TX, VA
Consumer complaint received 2024-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (GA)

Sometime in XXXX I received a credit card bill from Navy Federal Credit Union for an account ending in XXXX. I was never a member of the credit union, I never applied for a credit card, I never possessed or used a Navy Federal Credit Union credit card. I called Navy Federal Credit Union and I was told that they had evidence that this was an identity theft and a fraud. They told me not to worry, that the request of payment would stop. They stopped sending the bill but sometime in XXXX I received a letter from XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXXXXXX OH XXXX ) requesting payment. I replied that this was not my debt. I called again Navy Federal and was told that they knew it was not my debt and that the payment request would stop. The collection agency stopped its request until now. On XX/XX/XXXX I received a new request of payment from the collection agency. I called again Navy Federal Credit Union. This time they told me that the only thing I could do was to file an appeal.
Consumer complaint received 2024-07-08
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)

I appreciate the removal of some negative items from my credit report. However, several items still need to be addressed and removed. I have found that these items were opened without my permission. Under Section 605B of the Fair Credit Reporting Act ( FCRA ), you are legally required to remove items resulting from incorrect credit reporting. I am disputing the following items, which are unfamiliar to me. I am attaching the necessary FTC Report, as required. Please remove these negative items. If you believe these items belong to me, I request all documentation that bears my signature to verify their accuracy. If you can not provide such records and claim the items are verified, I will take legal action. Please comply with the law so this matter can be resolved quickly : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$650.00} -- -- -- -- -- -- -Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$0.00}. Please remove these disputed items as they were opened without my consent or knowledge, in accordance with Section 605B of the FCRA.
Consumer complaint received 2024-07-08
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. (NY)

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 


XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-28
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. (NC)

I filed a complaint to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

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 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 2024-07-08
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)

Did not consent to unauthorized inquiries the inquiry was not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-08
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 checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-06-28
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)

My account with XXXX was never late! I have had exceptional payment history with 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 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 on those accounts 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  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 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Thank you for taking the time to remove some of the incorrect entries from my credit report. I would like to bring to your attention that there are still some items that need to be corrected. This is my new attempt to notify you that I suffered from incorrect credit reporting and I write to dispute these items in my file resulting from the problem. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an erroneous credit data : XXXX XXXX XXXX ; XXXX XXXX XXXX : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXEquifax XXXX XXXX Balance : {$0.00} ; 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 XXXXXXXX XX/XX/year> ; XXXX XX/XX/year>. These items are unknown to me. Also, the information you provided on these items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on these items are a mystery to me. As required by FCRA XXXX ( XXXX ) ( XXXX ) ( C ) Authority to decline or rescind.