davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate. 

Under 15 U.S.C. 16811 ( 7 ) Method of verification- Description of reinvestigation procedure.

A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( ii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonable available ; by not later than 15 days after receiving a request from the consumer for that description.

Please send the following information used to validate the items below, otherwise delete them from my credit report immediately : Accounts : XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX, XXXX - This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXX- This account is being reported inaccurately, please remove this from my credit report immediately. 

XXXX. XXXX XXXX XXXX, XXXX- This account is being reported inaccurately, please remove this from my credit report immediately. 

Inquiries : XXXX. XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/year> - This inquiry was not authorized, please remove it from my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXXXXXX, Date : XX/XX/year> - This inquiry was not authorized, please remove it from my credit report immediately. 

XXXX. XXXX XXXX XXXX XXXX, Date : XX/XX/year> - This inquiry was not authorized, please remove it from my credit report immediately. 

XXXX. XXXX XXXX XXXX, Date : XX/XX/year> - This inquiry was not authorized, please remove it from my credit report immediately. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-23
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. (MA)

I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiries immediately XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX XXXX XXXX XXXX  inquiry date XX/XX/XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

EVERYTIME I WOKE UP IN THE MORNING, THESE INACCURATE REMARKS ARE STILL IN MY ACCOUNTS AND REPORT. THESE FALSE AND SHOULD BE UPDATED. I WAS NEVER LATE IN TERMS OF PAYMENT.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.
Consumer complaint received 2024-07-23
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. (GA)

Dear CFPB, I am writing to file a complaint regarding the inadequate response I received from XXXX XXXX XXXX XXXX concerning a dispute on account number XXXX, which reports a balance of {$3200.00} charged off. 

On XX/XX/XXXX, I submitted a dispute to XXXX XXXX XXXX XXXX explaining that this account was the result of identity theft and has been on my credit report for longer than XXXX years. 
My primary concern, which was that this account has passed the seven-year mark from the date of delinquency, was not addressed in any of the correspondence I received from XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), negative information should be removed from credit reports after XXXX years. This account, therefore, should no longer appear on my credit report. 

Despite this, the response I received only addressed the identity theft claim and falsely validated the account without providing any evidence to support their claim. 


Furthermore, XXXX XXXX XXXX XXXX inaccurately stated that a payment was made in XXXX in the amount of {$0.00}. This statement makes no sense and appears to be a tactic to re-age the account to keep it on my credit report, which is both unfair and illegal. No payments have been made on this account, and I do not own or have access to it. 

I urge the CFPB to investigate this matter thoroughly and take appropriate action to ensure that this account is removed from my credit report as it has exceeded the seven-year limit. Additionally, please ensure that XXXX XXXX XXXX XXXX ceases the practice of re-aging accounts to extend their presence on credit reports. 

Thank you for your prompt attention to this serious matter. I look forward to your swift resolution.
Consumer complaint received 2024-07-23
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 am writing to dispute a collection account reported on my, consumer report. The account is currently listed by XXXX XXXX XXXX. 
I dispute the validity of this collection for the following reason : Lack of Authorization to Collect in North Carolina : According to the North Carolina Department of Justice, debt XXXX must be licensed by the state to collect debts from North Carolina residents. We have been unable to locate a valid North Carolina debt collection license for XXXX XXXX XXXX Fair Debt Collection Practices Act ( FDCPA ) Violation The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt XXXX from attempting to collect debts if they are not properly licensed in the state. By attempting to collect on this debt without a valid North Carolina license, XXXX XXXX XXXX is in violation of the FDCPA.
Consumer complaint received 2024-07-23
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. (LA)

" I am composing this letter to formally file a complaint about the inaccurate personal information that appears on my credit report. I discovered confidential information that does not belong to me while reviewing my credit report, including [ specific details such as an incorrect name, address, and Social Security number ]. I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies, as this erroneous information may have a detrimental impact on my creditworthiness and financial standing. Your immediate attention to this matter is greatly valued, and I am in anticipation of a prompt resolution to guarantee the accuracy and integrity of my credit report. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. ''
Consumer complaint received 2024-07-23
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)

" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report. ''
Consumer complaint received 2024-07-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NJ)

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 2024-10-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (MA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Attn. Customer Care XXXX XXXX XXXX XXXX, TX XXXX Cc : Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, I am a victim of identity theft. I filed a fraud alert with you back in XX/XX/year> because someone had stolen my identity. Unlike the other credit bureaus, I was forced to open an online membership with you to file the fraud alert and security freeze. Now someone has gotten access to your membership site and logged in to change information under my profile name. I have emailed and called and gotten nowhere. The email was returned to me stating, this email is being dis-commissioned. I have been on the phone all morning attempting to get someone to speak with to get help with this issue. Instead, I have been forced to keep getting the automated system. It is not right that you force people to open an Experian online account and then offer no assistance when someone hacks that account. Now this person is committing fraud under my name once again and nothing is being done. 
I am requesting to close my Experian online membership account immediately since you offer XXXX protection when someone has hacked into my account. Now they have even more access to my information. It is account take over fraud, which your bureau has now allowed to happen. I want all of my information cleared from your database. I am considering legal action against your company, which has virtually XXXX customer service. I have read about many other people facing the same issues with your company. It is a disgrace. Both other credit bureaus are very helpful and actually provide customers with assistance over the phone, which should be a common practice. Unfortunately, your customer service is by far the worst. 
I am also requesting an extended fraud alert be added to my account. I am including a copy of the Police Report. 

Please call me immediately to discuss this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My account with XXXX XXXX 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 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 XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX 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 2024-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

This is XXXX XXXX. On XX/XX/year>, I submitted a dispute because I am a victim of identity theft, and I provided you with a notarized Identity Theft Affidavit. You claim your so-called " investigation '' was completed on XX/XX/year>, but I have yet to receive any transparency or satisfactory explanation. Let me be clear : I never applied for any Macys card. Your mishandling of this situation is unacceptable. I am demanding, within 5 days, the following : Full disclosure of every step and procedure you used to determine the " accuracy '' of the false information I disputed. All documentation related to your investigation, including interviews, evidence, and anything you used to make your decision. If you are challenging my notarized affidavit, I expect Macy 's to provide a notarized affidavit under penalty of perjury that specifies exactly who was interviewed and what evidence you claim justifies your stance.
Consumer complaint received 2024-07-23
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. (LA)

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both XXXX5 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Consumer complaint received 2024-07-23
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. (TX)

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2024-07-23
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. (TX)

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. ''
Consumer complaint received 2024-10-18
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC (CA)

Dear CFPB, I am filing a complaint against Westlake Financial due to an issue with my auto loan account that has resulted in a late payment, despite the fact that I have already paid the amount due. 

Westlake Financial mistakenly created two separate accounts for my auto loan. I was unaware of this error until I received a bill, which I promptly paid on XX/XX/24. However, after I made the payment, Westlake Financial informed me that the payment was applied to the wrong account. As a result, they are now claiming that my payment is 18 days late, even though they have already taken my money. They kept calling me daily and when i explained the issue they would apologize and promise that it would be fixed soon. 

This error was caused entirely by Westlake Financial, yet I am being penalized for it. I have tried to resolve the issue with their customer service team, but I have not yet received any satisfactory response. I am concerned about potential late fees, damage to my credit score, and ongoing confusion about my account.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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/updated. 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. 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!
Consumer complaint received 2024-10-17
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (MD)

I have been unemployed since XX/XX/XXXX. It has not been easy trying to pay my educational loan with NAVIENT. I recently was told that since I was forgiven for my federal loans, I could apply to the PSLF program. I have attempted on numerous occasions to speak with representatives about completing the form with no success. I am a former XXXX XXXX XXXX and worked for over 27 years in the federal government.

I have been paying over {$150.00} a month to NAVIENT. I have missed payments since XX/XX/XXXX ( 2 payments behind ) and have tried to lower them with no success. Now, I want to apply for the PSLF program, but I haven't had any success.

I am seeking assistance applying for the PSLF program for NAVIENT and getting my payments lowered.

I recently learned that NAVIENT is selling my loans to XXXX, effective XX/XX/XXXX. 

Thank you for your assistance.