davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IN)

Equifax has paused my account for several months and gave an excuse that they need to look into further research. In the meantime it has caused me to be denied for housing, banking institutions, credit, and employment. They have not replied to fixing the issue and are continually falsely freezing my account. They have. It reached out to me to verify me, but instead have sent warnings to all organizations who contact them in regard to verify me and my information. Additionally they are only reporting negative content and have deleted all positive history of any payments that I have made in the past. Please help me.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-01-31
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. (PA)

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 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 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

I reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that i have included screenshot inside this complaint in on dates of XXXXPlease investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX has placed an account on my credit report stating that I owe them almost XXXX and I do not. They refused to service their equipment in 2023 and then placed monies on my account stating that I did not pay a bill. The equipment went out and they did not fix it. I called and sent their letter ( that they sent me ) stating that I do not owe them any money and they still will not take the amount off by credit report. 
XXXX XXXX
Consumer complaint received 2024-01-31
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. (NJ)

the reporting of my personal information on my credit report in connection with the account provided by [ XXXX XXXX XXXX XXXX ]. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ), I am seeking clarification and documentation regarding the permission granted for the sharing of my personal non-public information ( OPT-IN ). 

It is my understanding that, as per GLBA regulations, an " initial notice '' must be provided at the time the customer relationship is established. I am requesting the following documents to verify and validate the legitimacy of the sharing of my personal information : XXXX. A copy of the " initial notice '' provided to me at the establishment of the customer relationship, outlining the terms under which my personal information may be shared. 

XXXX. Written contracts and agreements between myself and the data furnisher that explicitly grant permission to share my personal non-public information. 

XXXX. Any documents that bear my signature, confirming my explicit consent ( OPT-IN ) for the sharing of personal information. 

According to GLBA regulations, the furnisher can only validate the sharing of my information if a written contract with my signature is in place. Additionally, it is imperative to adhere to the requirement that private non-public information should not be sold for marketing purposes without explicit permission. 

If the requested documents can not be provided, are not found, or do not exist, I assert that the information in the profile is NULL and VOID, as it does not comply with the necessary legal requirements. 

I kindly request that you provide the requested documentation within timely manner of 30 days of the receipt of this letter. Failure to do so may result in my filing a complaint with regulatory authorities and pursuing legal action to rectify any inaccuracies in the reporting of this account.
Consumer complaint received 2024-07-22
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. (GA)

I checked my credit report this morning and I was disappointed because of unauthorized inquiries. I have no idea why this happened to me because I have no knowledge regarding any of these inquiries so please check the documents I've sent.
Consumer complaint received 2024-01-08
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. (PA)

I was denied credit by XXXX XXXX. I reviewed my Equifax report and there is missing and incorrect data on the report relating to XXXX XXXX. The information was not investigated. 
Please provide me with 100 % accurate and 100 % complete account data to accurately reflect the details of this account or delete from my consumer report immediately for false reporting. This account is misleading as it is frivolous reporting. 

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention a matter of significant concern regarding Equifax and its adherence to the Fair Credit Reporting Act ( FCRA ) reporting guidelines. Upon review of my report there are instances of incomplete or inaccurate reporting on my credit file, which directly impacts my financial well being I believe that it is imperative for the Consumer Financial Protection Bureau to investigate and hold Equifax accountable for ensuring 100 % complete and 100 % accurate reporting, as required by the FCRA. The reliability and integrity of credit reports are crucial for consumers to make informed financial decisions, and any deviation from the FCRA standards can have severe consequences. 
I kindly request the Consumer Financial Protection Bureau to take the following actions : 1. Initiate a thorough investigation : Please conduct a comprehensive review of Equifax 's reporting practices to identify any instances of non-compliance with FCRA guidelines.

2. Hold Equifax accountable : If violations are found, please take appropriate enforcement actions to ensure Equifax promptly rectifies the issues, implements corrective measures, and prevents future deviations from FCRA standards. 
3. Public disclosure : Consider providing consumers with transparent information about the investigation and any actions taken, ensuring accountability, and maintaining public trust. 
The accurate reporting of credit information is crucial, consumers rely on credit bureaus to handle their data with the utmost precision. Your intervention in this matter is essential to safeguarding my rights. 
I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address and rectify any violations of the FCRA by Equifax. 

Details and proof attached
Consumer complaint received 2023-11-16
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc (OR)

I purchased a renewed phone on XXXX from a seller? And a finance company who misled me and returned phone and affirm stated they refunded? Or reversed loan that didn't exist? But still charging me and reported in accurate information to XXXX? Was harrassed through text and email daily and calls were hung up on and emails to help center unanswered??
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (VA)

On or around XXXX of XXXX, I went to a dealership to inquire about purchasing a used XXXX XXXX XXXX XXXX. I was given the vehicle to test drive for a few days. During the test drive time frame, the vehicle broke down on the interstate. I contacted the dealership and had the vehicle towed back to the dealership. I advised the dealership that I obviously did not want to purchase a vehicle that had broken down. The dealership said they would take a look at it and if it was something minor would I still be interested in purchasing the vehicle. I advised, possibly but it would depend on what the issue was. A few weeks later I received a letter and email thanking me for joining XXXX and a payment booklet. I was on my way out of town, so I took the payment booklet with me so that I could call the company when I landed. I called XXXX and spoke to a man, I advised him that I did not have the vehicle, that I never signed for the loan and asked why I had received a payment booklet. He advised that they received documents with my signature. I advised that I never signed anything, asked for a copy of the documents and even asked for video from the dealership showing that i signed. They advised me they would investigate. Their investigation was them calling the dealership and telling them i called. Nothing more. I assumed that it was resolved because I saw the dealership list the same vehicle for sale. In early XXXX, I received a call from a woman at XXXX stating that I was late on my car payment. I advised her that I did not have a loan with them. I did not have the vehicle and that I never signed any paperwork. She glossed over this fact and continued to try and make me pay for a loan that I never signed for. I refused. Later that year around XXXX or XXXX, I decided to check my credit report and saw that XXXX had placed the loan on my credit report and said i was late. Around this time, i also noticed that the vehicle in question was listed for sale on the same lot. I disputed XXXX XXXX Co ( XXXX ). They updated the report showing that it was a high balance of {$32000.00} but the balance on the account was {$13000.00} and that my last payment on the loan was XX/XX/XXXX, and listed the account as a charge off. This is completely inaccurate. I have never made a payment to this company. I never signed loan documents for the vehicle or with this company. They also listed the loan term of 66 months. I have no idea what the term may have been because I never signed a loan document. Also, based on their fraudulent update, they are stating that {$19000.00} was paid towards this fraudulent loan in 7 months. If this was true, how would the loan be eligible for a charge off? This company is a complete fraud, and has prevented me from being able to obtain credit.
Consumer complaint received 2024-05-08
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. (NC)

I sent some letters 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 2024-01-31
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. (FL)

I have called, emailed, disputed, and been given the run around on this issue too many times. I have a school loan and owe two different companies for the same loan now ive been told. It is reflected on my credit report 15 times. There is no reason for it to be on my report so many times for the same account. It is very detrimental to my credit and to anyone who looks at it when it is required! Showing that many bad marks for one account is against code law! I do not owe XXXX or XXXX those accounts are not valid.
Consumer complaint received 2024-01-31
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. (CA)

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

Equifax is reporting inaccurate information in the amount of {$2700.00} from XXXX XXXX XXXX  XXXX XXXX XXXX  on my credit report and refusing to remove it and also refusing to send me proof of the debit that they are saying is owed I asked them to send me the purchase agreement and the original contract with that date and my signature to verify they instead sent me a letter that says we verified the debit as accurate as its no actual proof I sent them the request in writing certified mail and this inaccurate information XXXX is now impacting me negatively
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-01-31
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. (MD)

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 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 2024-08-08
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (NC)

XX/XX/year> I am writing to formally express my concern regarding the misinformation I received from XXXX XXXX about the nature of the financial aid package provided to me. Specifically, I was led to believe that the financial assistance offered to me primarily consisted of grants and federal Pell Grants. However, I have recently discovered that a significant portion of my financial aid package includes private loans, which were not clearly communicated to me at the time of my enrollment. 

When I initially inquired about financial aid, I was assured that most of my educational expenses would be covered through grants and federal assistance. At no point was I adequately informed about the inclusion of private loans, nor was I made aware of the implications of accepting such loans. This lack of transparency has placed me in an unexpected and difficult financial position. 

As a student, I trusted the guidance and information provided by the school 's financial aid office. The omission of critical details regarding the private loans has had a significant impact on my financial planning and overall educational experience. Had I been fully informed about the nature of my financial aid package, I would have explored other options or made different decisions regarding my education funding. 

I kindly request the following actions be taken to rectify this situation : 1. A thorough review and clarification of my financial aid package, including a detailed breakdown of the sources of funding. 
2.Improved transparency and communication practices for future students to ensure that they receive complete and accurate information about their financial aid packages. 


I believe that addressing this issue promptly and effectively will help restore my confidence in the school 's commitment to supporting its students. I appreciate your attention to this matter and look forward to a timely resolution. 

Thank you for your understanding and cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

I assert, under the penalty of perjury, as per United States laws, that the provided information is accurate to the best of my knowledge. I affirm my compliance with both FEDERAL and STATE LAW in initiating this dispute. I am aware that any deliberate misstatements or omissions of crucial facts can result in FEDERAL CRIMINAL VIOLATION, as outlined in 18 U.S.C. 1001, and perjury charges under 18 U.S.C. 1621. The XXXX XXXXXXXX XXXX XXXX, and XXXX XXXX Bank, entries on my credit reports are unrelated to any transactions I engaged in. I am reporting unauthorized use of my personal information, leading to the creation of accounts, which is currently under investigation by the FTC.
Consumer complaint received 2023-08-08
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (TX)

On XX/XX/XXXX my account and card was working fine. The next day I couldnt login to my account. I didnt receive a call nor email. The bank just blocked me out of my account. I called and they told me my account was being closed. The representative didnt know why. She said it usually because of a check, but we both acknowledged I didnt deposit a check.