davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-10
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)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2024-06-10
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)

Please REMOVE and DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT. ACCORDING TO THE FCRA IT IS A VIOLATION. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-06-10
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)

please remove these inquiries from my credit report ASAP! 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-06-10
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. (AL)

I HAVE CALLED SO MANY TIMES TO XXXX EQUIFAX AND XXXX OVER THE PAST SEVERAL MONTHS AND TO NO AVAIL HAVE THEY REMOVED NEGATIVE FRAUD ACCOUNTS ON MY CREDIT REPORTS. I HAVE BEEN A VICTIM OF IDENTITY THEFT AND HAVE ACCOUNTS THAT ARE NEGATIVE DUE TO FRAUD ACCOUNT TAKE OVER. WHICH OCCURED DURING THE XXXX PERIOD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. MY APARTMENT HAD BEEN BROKEN INTO. MY DISPUTES I HAVE MAILED ARE NOT BEING INVESTIGATED PROPERLY OR AT ALL. I AM UPLOADING MY FTC REPORT AND POLICE REPORT AND SOCIAL SECURITY CARD AND STATE ID. IM ALWAYS TOLD I NEED TO SEND THAT INFORMATION IN AND WHEN I DO THEY SAY THEY DIDNT RECEIVE IT OR ITS ALWAYS A PROBLEM OR THAT THE INFORMATION CAME BACK VERIFIED. THERE ARE ACCOUNTS ON MY CREDIT REPORT THAT IS OUTDATED I WAS TOLD BY MY BANKER. WHICH I HAD LONG AGO DISPUTED. PLEASE SEE ENCLOSED COPY. I HAVE CONTACTED XXXX XXXX XXXX XXXX SEVERAL TIMES REGARDING THIS AND THEY WILL NOT INVESTIGATE THE FRAUD ON MY ACCOUNTS AS WELL AS XXXX XXXX XXXX XXXX.
Consumer complaint received 2024-06-10
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I found out the creditor didn't give the required 21-day notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-10
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-06-10
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. (IL)

I am writing to dispute unauthorized inquiries listed on my credit report. 

Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX Creditor : XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I am writing to dispute an inaccurate account reporting on my credit report. That is persistently affecting my creditworthiness. I believe this account is inaccurately reported, and its continuous presence is unfairly damaging my credit profile.
Consumer complaint received 2024-06-10
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)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-11
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/year> I submitted to TRANSUION that the account XXXX XXXX SHOULD BE REMOVED OFF MY CREDIT REPORT ACCORDING TO SECTION 605 b of the fair credit reporting act Ive sent numerous of demands and my livelihood and credit report is damaged because TRANSUION fail to remove XXXX XXXX XXXX from my credit report if its not removed asap I will have no other choice but to file a civil suit against Transiuon for failing to report and protect my consumer rights which is a violation to section 605b
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

There are multiple unresolved issues with the reporting of students loansa ssigned to Navient then transferred to XXXX, that I have been working for years to correct. 

First, duplicates of the same student loans report on my account. The unconsolidated loans from Navient, are the same loans as the consolidated loans from XXXX and both are reported on my credit report. 

Second, the dates and reported delinquencies are erroneous, inconsistent, and it is abundantly clear no one has taken the time to review my disputes. The 22 unconsolidated loans were all from the same account with the same exact payment schedules, yet none of the reports or status 's are the same. Each time I attempt to have this corrected, I must submit 22 individual disputes which no one looks at. For example, there are multiple instances such as the status of a loan in XX/XX/XXXX. The account is listed as current with terms met. 30 days later in XX/XX/XXXX it lists a 90 day delinquency which is clearly impossible and inaccurate. 

The same thing happens in XXXX of XXXX. In XX/XX/XXXX ( during the pandemic and forgiveness period which is another issue ) the account is listed as current with terms met. 30 days later in XX/XX/XXXX it displays a 90 day delinquency again, recklessly erroneous and Ive reached out to both Navient and XXXX to correct this- additionally these accounts have been paid off in full- this is the history of payment I'm attempting to correct.
Consumer complaint received 2024-08-19
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 am writing to formally file a complaint against the credit reporting agencies XXXX, Equifax, and XXXX for their failure to properly reinvestigate disputes that I submitted regarding inaccuracies on my credit report. Including inaccurate variations of my name and address they I never submitted. I have asked on several occasions to correct my legal name and correct address. There is an address that associates with fraudulent accounts that I never lived at. 
The credit reporting agencies have failed to conduct a thorough and complete reinvestigation as required under the Fair Credit Reporting Act ( FCRA ). The disputed items continue to remain on my credit report without any meaningful or corrective action taken, causing ongoing harm to my credit profile. 
I have made several attempts to resolve these issues directly with the credit reporting agencies, but they have either ignored or inadequately addressed my disputes. Their lack of proper investigation and response has resulted in incorrect information continuing to be reported, causing significant financial stress and impacting my ability to obtain credit. 
I am requesting that the Consumer Financial Protection Bureau take immediate action to ensure that XXXX, Equifax, and XXXX conduct a proper reinvestigation of my disputes, in compliance with the FCRA, and correct any inaccurate information.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (FL)

This was for a cab fare in XXXX XXXX. I was not given a receipt. The driver told me the card declined but obviously it was charged {$240.00}. He then demanded {$100.00} U.S. cash which I had to give him to get my luggage out of his cab. It should have been a {$10.00} U.S. fare total. I do not have documents. This vendor needs to be flagged as well. They are thieves! I was leaving the country so they had an easy target. I refuse to pay this charge. It can stay on my account until I close my account. I totally dispute this charge. Please go after this vendor!
Consumer complaint received 2024-04-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (SC)

The credit report indicates late payments and delinquencies on a student loan account [ Navient ] which I firmly contest. Contrary to the information reported, there exist mitigating circumstances that absolve me of any culpability for the alleged defaults. Regrettably, it appears that your institution has failed to consider the extenuating factors that precipitated the financial challenges leading to the reported delinquencies. 
There are two account that appear to be for one particular same time frame of originating on XX/XX/XXXX which is more than 20 years ago. The amounts state that they both originated the same day, but show up on the credit report as two separate accounts : 1 ) {$3300.00} 2 ) {$5400.00} Last report dates were XX/XX/XXXX. Every time these erroneous reports are made it is in double impact causing an abuse to me directly. I was XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

I contacted Equifax to ask why I could not thaw/freeze my security freeze on their website. I have been told the problem is a technical one. I WANT TO BE ABLE TO THAW/FREEZE MY SECURITY FREEZE ON THEIR WEBSITE.
Consumer complaint received 2023-02-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 orAny 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-05
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: Experian Information Solutions Inc. (TX)

IN ACCORDANCE WITH THE FAIR CREDIT CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALLY UNDER 15USC 1681.

THEY HAVE ALL VIOLATED MY RIGHTS 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : Its also states that 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 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 have reasonable cause to believe that the information is inaccurate. 


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 2024-08-28
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (FL)

Denied auto insurance due to report from Lexis Nexis. Four ( 4 ) attempts via email, calling office ( no assistance ) and finally writing resulted in Lexis Nexis stating they DID NOT have any record of my report, can not verify whether a query was made or not and have no record of reporting to any insurance companies despite my receiving multiple letters from Lexis stating I should request a copy due to homeowners insurance denial letter due to their reporting information. " You need to request a copy of your report. '' - Per Lexis To date no copy of my report has been forth company from Lexis Nexs.
Consumer complaint received 2023-04-11
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. (AL)

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. 

XXXX XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX, XXXXXXXX XXXX XXXXXXXX, 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 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 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MD)

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 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 2024-08-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC (NV)

My original mortgage was with XXXX mortgage. They sold the loan to Roundpoint mortgage in XXXX of XXXX. The process appeared to be ok until I got a bill for a forced insurance policy 3 times the cost of what I was paying for the policy I already had in force. When I called for an explanation from Roundpoint, they say they had been trying to contact me, sending repeated letters to my undeliverable address and getting returned mail. Apparently XXXX had not passed on my correct mailing address and e : mail. So, after I gave them correct contact info and proved I had had full insurance in place, they refunded part of the forced insurance premium, leaving an $ XXXX balance in a involuntarily forced escrow account and adding to my mortgage payment. It turned out they were still needing proof of insurance starting XXXX XXXX when they took the loan over. Again, no attempt to contact me was received by me even though they had the correct info now. So once I straightened this out on XXXX XXXX XXXX, they said they would refund the final money, clear my escrow account and reduce my payment to the original amount in XXXX business days, meaning at the end of XXXX. When absolutely nothing changed by XXXX XXXX XXXX, I called them XXXX XXXX XXXX and they said they were working on the problem but couldn't give any date it would be resolved, even saying a supervisor would try to expedite it. It has now been XXXX days since that phonecall and still I have no refund and my payment still includes the forced insurance amount. This ineptitude is unforgiveable, it needs to be resolved immediately and I also should receive a financial restitution from them for me trouble.
Consumer complaint received 2024-07-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

I made 11 payments on my student loans from XX/XX/year> thru XX/XX/year> that were revived by Mohela, my service provider that were never applied to the balance of my loan. I have confirmation numbers and emails from Mohela and have spoken twice to customer service who can see that indeed these payments were revived in their system. I was told both times that the matter would be resolved. Its been about 2 months since my initial inquiry into this matter and nothing has changed. Meanwhile Im accruing interest daily to the tune of over XXXX dollars since I first noticed my payments were received but not applied to my loan. I want to get rid of this loan but if I cant trust Mohela with handling my payments how am I supposed to give them anymore money.
Consumer complaint received 2021-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

My flight was cancelled due to the epidemic and the airline refunded me ( {$170.00} ), but Chase closed my credit card and refused to refund me
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

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 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute an unauthorized and fraudulent accounts that has been opened in my name. I recently discovered these fraudulent accounts on my credit report and upon further investigation, it is evident that these accounts were opened without my knowledge or consent. 

Below are the details of the fraudulent account : Account Type : XXXXXXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account Type : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I reviewed my credit report and noticed the presence of an account that I did not recognize. Upon further investigation, it became clear that these accounts were fraudulently opened in my name. I have never applied for any accounts and I have no association with these account whatsoever. 
In light of this fraudulent activity, I am requesting the following actions be taken immediately : Remove the account from my credit report : Ensure that this fraudulent account is removed from my credit report with all major credit bureaus. 

To assist in your investigation, I have attached the following documents : A copy of my identity theft report from the FTC. 
A copy of the police report. 
A copy of my driver 's license or government-issued ID. 

Please consider this matter with the utmost urgency. The fraudulent account is negatively impacting my credit score and causing significant distress.