davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. 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 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (LA)

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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My account with Equifax 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 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. 


Equifax 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 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX {$1500.00} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2024-07-31
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 dispute information that appears in my credit report. Specifically, I am disputing a charge entry for the following account XXXXXXXX XXXX XXXX XXXX Account Number XXXX XX/XX/2018 XXXX
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AL)

XXXX XXXX did two unauthorized credit inquiries with Equifax, XXXX, and XXXX back on XX/XX/XXXX and XX/XX/XXXX on my credit report. I have did not authorize this and have not applied for a credit card their company. I mailed letter to them with my Driver License and XXXX. XXXX XXXX XXXX ID showing my identify. My SSN and identify has been compromised in the past. I had to do a police report back in XXXX of XXXX. XXXX XXXX has failed to respond to any other my letter even the certify letter. XXXX XXXX should removed the credit inquires for the dates above with all three credit bureaus describe above. I don't what other actions to take and have come to the Consumer Financial Protection Bureau for help with XXXX XXXX. They won't respond to me.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX XXXX This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes against with the FCRA. 

15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Consumer complaint received 2019-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MAJR Financial Corp (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I recently reviewed a copy of my credit report and noticed I had fraudulent account on my report. Please remove these accounts from my report. They are hurting my ability to obtain credit. 

XXXX XXXX XXXX - Account # XXXX
Consumer complaint received 2023-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NJ)

My federal student loan was transferred from Great Lakes to Nelnet for servicing in XXXX. My first repayment is due XX/XX/XXXX and I have been attempting to logon to submit my payment information since XX/XX/XXXX ( today is XX/XX/XXXX ). Nelnet has deleted the mobile app, requiring customers to utilize their mobile website which I have been unable to access since XX/XX/XXXX. I have switched to using my laptop to access the website and it is also not loading, stating volume is unprecedented and to try again later. I am unable to submit my payment information which could result in a late payment and additional interest and fees on my account, which I would not have incurred if I was able to make my payment when I originally logged on. Nelnet 's telephone customer service is receiving unprecedented call volume and I am unable to get through that way as well. I believe Nelnet is in violation of Regulation Z and UDAAP when it comes to servicing student loans.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.
Consumer complaint received 2024-08-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

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 XXXX out of XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-19
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: Experian Information Solutions Inc. (WA)

XXXX  ; Experian and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$3400.00} on XXXX XXXX XXXX/XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was opened fraudulently and does not belong to me. I have filed a formal complaint with Identity Theft.gov as well. Please see confirmation page with reference number XXXX attached. I did not now, nor have I in the past had an account with XXXX XXXX XXXX/XXXX   XXXX. I did not sign nor did I give permission for this account to be opened. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-04-25
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: Self Financial Inc. (TX)

I noticed a new credit item on my credit report in early XX/XX/2023. Someone used my information to open an account fraudulently with Self Financial/Lead Bank for a {$720.00} secured loan. I filed a dispute with XXXX XX/XX/2023, and when the results found the info on my report to be valid, I filed again XX/XX/2023. Same results. I contacted Self by phone XX/XX/2023 with instructions to text them for an email to send my issue to. Email sent. Called back XX/XX/2023 after no response and spoke with a gentleman who verbally confirmed I was not the individual that opened the account ( I have a video recording of this call ). Told me to email them again with a copy of my FTC fraud claim report, I did. No response. Emailed again today XX/XX/2023 noting I opened a XXXX complaint after no responses. I discovered today a XXXX phone number and address were added to my credit report the same week the fraud account was opened.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC (DE)

I am writing to formally address several violations of federal laws committed by your agency in connection with the collection of a debt allegedly owed by me : TRANSWORLD SYSTEMS XXXX Open Date : XX/XX/year> According to the Supremacy Clause, federal laws supersede state laws and corporate policies. Therefore, your agency is legally obligated to comply with the Fair Debt Collection Practices Act ( FDCPA ) along with applicable consumer privacy regulations. Any conflicting state law or internal policy is secondary and not applicable. 

Your agency has violated the following federal laws : 1. 15 U.S.C. 1692b ( 2 ) - You stated that I owe a debt without providing proper verification or substantiation.

2. 15 U.S.C. 1692c ( a ) - You communicated with me regarding this debt without my prior consent, which is a clear violation of the FDCPA.

3. 15 U.S.C. 1692d - Your conduct has been harassing in nature, which is strictly prohibited under the Act.

4. 15 U.S.C. 1692 ( a ) - Your actions have invaded my privacy by sharing information without proper authorization.

5. 5 U.S.C. 552a ( b ) - Your agency is not permitted to disclose my personal information without my written consent or authorization ; as of now, you have not obtained that consent.

6. 15 U.S.C. 1692e ( 10 ) - You have used false and deceptive means to collect the alleged debt.

7. 15 U.S.C. 1692e ( 6 ) ( B ) - There has been false representation or implication that the sale, referral, or other transfer of any interest in a debt would subject me to practices prohibited by the FDCPA. 

Furthermore, I would like to reference the case of XXXX XXXX XXXX XXXX XXXX, XXXX to underscore the need for proper verification and account-level documentation, as mandated by 15 U.S.C. 1681s-2 ( b ) ( E ). If your agency can not verify the information with proof of verification, I demand that the account be removed immediately. 

Additionally, as stipulated in 12 C.F.R. 226.25 ( a ), you must provide account-level documentation to substantiate any claims of debt. 

As a result of these violations, I demand the following : 1. Immediate cessation of all communication regarding this alleged debt until proper verification and consent have been obtained.

2. A written confirmation that my personal information has not been disclosed improperly and that all records reflecting these violations will be rectified.

3. removal of this account from my consumer report.

Failure to comply with these requests and rectify the situation may compel me to take further action, including filing complaints with the Federal Trade Commission ( FTC ) and pursuing legal remedies. I expect a prompt response to this letter, addressing my concerns adequately. Thank you for your immediate attention to this matter.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (TX)

i will like the late payments thats being inaccurately reported to my credit profile to be updated to current.

i will like for the acccount at question to be deleted from my credit profile company.

i will like for the account at question to be updated as paid and current.paid in full.or to current status.
Consumer complaint received 2022-12-06
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: EQUIFAX, INC. (PA)

My name XXXX XXXX this complaint is not made in error neither 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 accounts. 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.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

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. 

Account Name : XXXX Account Number : 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 2024-07-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.
Consumer complaint received 2024-09-04
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (WI)

On XX/XX/2024, I transferred $ XXXX from my XXXX by Goldman Sachs XXXX account. By XX/XX/2024, XXXX locked me out and asked me to call them. I verified my identity with a telephone operator using my name, XXXX, XXXX, and secret word. I was then transferred to a XXXX who needed to verify my phone number via a PIN, but my number was deemed " not eligible. '' The XXXX then requested my driver 's XXXX ID, but XXXX  was not on their list. Without verification, I was told to call back in XXXX business days. 

On XX/XX/2024, after XXXX business days, I called again at XXXX XXXX  XXXX. The process was the same : verification issues with my phone number and driver 's license, and I was told to wait another XXXX days. On XX/XX/2024 at XXXX XXXX  XXXX, the same issues arose, and I was told my case was still under review and to call back after another XXXX days. I expressed frustration about the repeated waiting periods, and the XXXX advised calling directly in XXXX days. 

On XX/XX/2024, I called again at XXXX XXXX  XXXX but was told to wait XXXX more days. I was advised to use a relative 's number for verification and to contact a supervisor after XXXX XXXX. On the same day, at XXXX XXXX  XXXX, I provided my partner 's number, but it also failed. I was again told to wait XXXX days. 

After XXXX XXXX, on XX/XX/2024 at XXXX XXXX  XXXX, I called for the sixth time. The process repeated, with issues sending a PIN to both my and my partner 's numbers. I requested to speak with a supervisor. The supervisor had no additional information, couldn't contact the reviewing department, and couldn't provide a timeline. I was told the back office handling the review does not take customer calls. Despite XXXX calls, there was no progress or communication about when my issue would be resolved. Every single time I was fooled and asked to come after XXXX business days. This ongoing lack of access to my funds has been causing significant mental stress and frustration.