davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am writing this letter to convey my deep dissatisfaction and disappointment with the manner in which your bureau has responded to my identity theft complaints. This issue encompasses not just the theft of my personal data but also the apathetic approach exhibited by your bureau in managing my situation. I provided all the necessary documentation such as the FTC report I filed with Federal Trade Commission to prove my innocence and the criminal nature of the actions. Despite the gravity of the situation and the profound impact it has had on my life, the response from your bureau has been alarmingly lackluster. I have received minimal communication regarding the status of my disputes, and the responses I have received were generic and unhelpful. This lack of attention and urgency has left me feeling ignored and abandoned by the very institution I relied upon to protect my credit and financial well-being. Please delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
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. (LA)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CT)

Dear Equifax, I am writing to dispute certain inaccuracies in my credit report, as provided under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. It has come to my attention that there are errors in my credit report that need to be promptly addressed. Inaccurate reporting not only harms my financial standing but also violates the FCRA. Im also including ECOA ( 15 U.S.C. 1691 ) to express the importance of laws that are in place that strongly back accurate credit reporting and fair treatment of consumers in the credit process. Please provide the method of validation such as who you spoke to, their address, email, phone number and any information and/or correspondence that contains my certified signature. 

I would like to draw your attention to recent cases, such as the settlement between your company and the Consumer Financial Protection Bureau ( CFPB ) and state attorneys general, where credit reporting agencies faced significant penalties for inaccuracies and data breaches. This serves as a reminder of the importance of accurate credit reporting and the potential consequences for failing to uphold this standard.
Consumer complaint received 2023-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (NC)

Student loan interest was supposed to start XX/XX/2023 and payments will be due XX/XX/2023. Per stidentaid.gov But Navient is charging me late fees for the past 90 days.
Consumer complaint received 2024-07-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AZ)

Thank you for addressing some of the erroneous items in my credit file caused by inaccurate data. However, there are still items that need to be removed. This is a follow-up complaint regarding faulty credit reporting. According to Fair Credit Reporting Act XXXX XXXX ( a ), you are required to remove any items opened without my knowledge, consent, or authority within XXXX business days, provided : ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are inaccurate : Experian : 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 Owed : {$5700.00}. This message is being sent certified to protect my rights. My research indicates you often fail to comply with this FCRA statute. If you do not remove these items, I will refer this matter to my attorney. You have XXXX business days to remove the erroneous items from my credit file. I do not consent to XXXX or any automated verification.
Consumer complaint received 2024-05-23
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission.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
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (CA)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

XXXX responded to CFPB that XXXX XXXX XXXX  reporting is not on my credit reports but it is XXXX Experian and XXXX should remove XXXX XXXX XXXX  reporting immediately from my credit reports
Consumer complaint received 2016-02-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (PR)

XXXX filed a foreclousure claim against me on XXXX. Since then I had tried to resolve this issue and requested a modification of my loan under harp program. Since then I do have suffered almost all the bad mismanagement and horrors stories that you already know from other persons. My file of monthly requested financial information filed to XXXX and their service agents XXXX is like three inches tall and even though the Judge from XXXX Florida instructed them to resolve my case last year byMay XXXX and the diligence of my legal representative XXXX they never modified my loan. On or about XXXX XXXX i did decided to accept a very bad trial payment period of three months for which I did paid {$2100.00} each month up to XXXX XXXX. After my second payment XXXX changed their service agent from XXXX to Selene Financial and I do have made all my payments up to XXXX XXXX but Selene had not do anything to complete my modification request evaluation. Furthermore on XXXX XXXX they provided XXXX and XXXX information that I am delinquent for over 180 days which is totally incorrect and is hurting my credit score. I need your help to make Selene and XXXX finally evaluate and make me a reasonable modification offer under harp program or their own in house progrms on a timely manner. I am also suffering since XXXX XXXX and lost my wife because of XXXX XXXX and have been making all my efforts and sacrifices to resolve this issue and XXXX XXXX XXXX, XXXX and now Selene Financial have proven to be impossible to move forward even thoth the intervention of the Judge. My only hope is all the help you can provide me, thanks to all of you and Congress XXXX XXXX for their fights againts this abusive financial firms.
Consumer complaint received 2024-01-26
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. (PA)

Hello, my name is XXXX XXXX. This statement is being composed by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency can furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instructions of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! 

I am demanding removal of these listed accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-23
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. (SC)

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"
Consumer complaint received 2024-05-22
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)

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway ATTACHED ARE MY ID AND SOCIAL TO VERIFY IDENTITY AND FTC POLICE REPORT
Consumer complaint received 2024-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (IL)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA 605B. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-05-23
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. (CA)

I recently submitted a request for an investigation into the disputed account that you claimed was verified. Believing that you did not properly investigate my dispute, I contacted the data furnisher last month via certified mail. They responded, confirming that I was correct and that your records were indeed inaccurate. Since your investigation was not conducted properly, I request that you update the account information in my file accordingly. 
XXXXXXXX XXXX XXXXXXXX XXXX : {$1100.00}
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have a home equity line of credit at XXXX XXXX XXXX XXXX XXXX 

The account has been paid monthly by me for the past seven years timely paid. 

The XX/XX/2022, payment was made by me on XX/XX/2022. It was made by me as a direct online transfer from my XXXX checking account to my XXXX XXXX credit line account. By the express language of the online payment confirmation this payment was Immediate- effective immediately. I have attached a copy of both the Transfer History, Exhibit A, and the Transfer Detail Exhibit B, both for this payment, and both of which are XXXX generated, which show : Transfer History ( Exhibit A ) shows 1 ) Payment into my account credit line XXXX XXXX ) XX/XX/2022 Payment amount {$350.00} ( only {$330.00} was due ) 3 ) Payment Date XX/XX/2022 And Transfer Detail which has 1 ) The bank confirmation number for the transaction XXXX XXXX ) The transfer being from my XXXX Simple Checking XXXX to my credit line XXXX XXXX ) The Amount {$350.00} 4 ) the Type of Transfer-immediate and 5 ) the Transfer Date of the immediate transfer- XX/XX/2022 As the payment was due on XX/XX/2022, and as it was made, effective immediately, on XX/XX/2022, it was paid on the 29th day and thus was not more than 30 days past due. This should not have been reported to the credit bureaus by XXXX XXXX and when the credit bureaus received my dispute and reviewed it, all three of them should have removed this reporting error immediately.
Consumer complaint received 2024-05-22
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)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I received a copy of my credit report, and to my surprise, you are reporting an account inaccurately. This collection account is being reported as open and shows a past due balance of {$450.00}. According to the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate credit report. Please delete this account from my credit report immediately. 

Please provide me with a copy of my updated credit report upon completion of this request. 

Account Name : XXXX XXXX Account Number : XXXX Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that I am also requesting a description of the procedure used to determine the accuracy and completeness of the information, to be provided within fifteen ( 15 ) days of the completion of your investigation. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-05-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2015-10-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (GU)

I took out a {$11000.00} student loan through XXXX in XXXX and it went into deferment because of school. I then joined the XXXX in XXXX. XXXX kept my loan in deferment without contacting me ... I was no longer in school so my loan should n't have been kept in deferment. I consolidated my student loans right before I joined the military and I had thought the XXXX loan was consolidated with the others. 
I did n't find out until I went to buy a house XXXX XXXX that I had this " student loan '' that had been just sitting in deferment for years! 
I contacted XXXX and asked why it was in deferment for another 5 years and why they did n't contact me and WHO approved this. I asked for any supporting documents stating that I put this loan in deferment ( knowing it was n't due to school because I had already graduated! XXXX XXXX could n't give me any reason as to why my student loan stayed an extra 5 years in deferment and why I was never contacted with any information during the 5 years! 
My loan went from {$11000.00} to owing {$19000.00}. 
XXXX then quickly transferred my student loan to American Education Services and I have yet to figure out why my student loan nearly doubled. 
Please help! I am currently paying on my student loan monthly and currently owe {$19000.00}
Consumer complaint received 2024-05-23
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. (NC)

I am writing to file a complaint against the XXXX major credit reporting agencies : Equifax, XXXX, and XXXX. Despite multiple attempts to resolve inaccuracies in my credit reports, all three agencies have failed to respond to my dispute letters or take any corrective action. 
Here are the details of my complaint : I have identified several inaccuracies in my credit reports which include inaccurate accounts, re-aged accounts, and inaccurate personal information. 

Actions Requested : 1 Immediate investigation and correction of the inaccuracies in my credit reports.

2 Proper notification on my credit reports indicating that the accounts are in dispute.

3 Compliance with FCRA requirements for responding to consumer disputes in a timely manner.

I have sent multiple dispute letters to each of the credit bureaus with supporting documentation requesting corrections.

None of the credit bureaus have responded to my dispute letters within the 30-day period mandated by the Fair Credit Reporting Act ( FCRA ). Moreover, they have failed to include any notice on my credit reports indicating that I have disputed the accounts, which is also a requirement under the FCRA. 

The inaccuracies in my credit reports have adversely affected my credit score and my ability to obtain credit. The lack of response and failure to update my credit reports have caused significant distress and inconvenience. 

Enclosed are copies of the dispute letters I sent to each credit bureau, along with any supporting documentation and proof of mailing. 

I trust that the CFPB will address this matter promptly to ensure that the credit reporting agencies comply with the FCRA and take the necessary steps to correct my credit reports. 

Thank you for your assistance in this matter.
Consumer complaint received 2024-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. 

XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. 

XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. 

XXXXXXXX XXXX XXXXXXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. 

XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late. 

XXXX XXXX  XXXX XXXX XXXX showed paid XX/XX/2023 ; XXXX  ( not my lender per their correspondence inaccurately reported my payment as late, if you are not my lender you can not claim my payment as late and report it as late ). Remove it from Credit Bureau Transunion, XXXX, XXXX as late.