davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (OH)

I am writing to file a complaint regarding the inaccurate reporting of bankruptcy information on my credit report. The issue pertains to a bankruptcy entry listed under reference number XXXX, which was reported by Equifax. 

I have disputed the accuracy of this bankruptcy entry with Equifax and requested detailed documentation on how the information was verified. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], credit reporting agencies are required to investigate and provide verification of disputed information. However, the U.S. Bankruptcy Court in XXXX, which is the original source for bankruptcy data, does not provide such data to third parties, as confirmed by the attached letter from the court. 

Under Section 605 ( b ) of the FCRA [ 15 U.S.C. 1681c ( b ) ], bankruptcy information must be verified through the original source, which in this case is the court or an authorized entity related to the court. If Equifax did not obtain verification directly from the court, the information should be considered inaccurate and removed from my credit report. Furthermore, Section 611 ( a ) ( 5 ) ( A ) of the FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] mandates that unverifiable information must be deleted from the consumers credit report. 

Despite my efforts to resolve this issue directly with Equifax, I have not received satisfactory documentation or confirmation that the bankruptcy information was verified through the proper channels. I am seeking your assistance to ensure this matter is addressed and that my credit report is corrected in compliance with the FCRA.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (NJ)

So there is a XXXX credit card in collections or as a charge-off on my credit report and it has been there since around the time of my divorce in XXXX. My ex-husband ran a few of my credit cards up I paid them all down they were always automatically put into my checking accounts so they I just paid you know monthly whatever got the first bills before my divorce was finalized before he messed with all of my mailings put the credit card numbers into my bank and just was paying all of my bills. I have records of making payments to XXXX card and the amounts that is on this bill which is like {$3000.00} I think I paid them a little bit more than that might have been a little bit less but around the same amount that's due and I kept wondering why the it was never going down so I contacted them a couple years ago and I was trying to buy a house so it was probably in XXXX. And they said that I had to send in proof that I had made payments so I went to my bank I had gotten all the information from the bank all the payments that went out to XXXX  card sent that to them and they told me that those payments went towards another account that it was not my accounts and they could not discuss that information with me. I said well this is the account number that you gave me on a bill before my husband messed with the mail and then all of my mail got redirected and then I never got another correspondence from you I said this is the account I've been paying on so I paid somebody's {$3000.00} bill you didn't notify me you didn't like anything like that so I've paid them the money I've asked them I beg them to take it off of my credit report it is holding me back from being able to purchase a house because they say my debt to income ratio is too high I want it deleted I have proven to them that I made payments through XXXX XXXX  XXXX to XXXX in the amount of the {$3000.00} that is owed to XXXX I paid them they applied it to somebody else 's credit card and will not discuss that information with me it is a charge off anyhow and it's been on my account for many years I would like it removed I have contacted the governor 's office of New Jersey and he gave me this information and asked me to Lodge a formal complaint through your agency
Consumer complaint received 2024-04-19
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: Experian Information Solutions Inc. (TX)

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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-19
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. (LA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-04-19
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. (MA)

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX  ACCT # XXXX, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Consumer complaint received 2024-09-08
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. (TN)

The loan has already been sold Did not provide 1099C approval 15 U.S.C. 1601 et seq.

15 U.S.C. 1692g
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. XXXX XXXX XXXX Date opened XX/XX/XXXX  Balance {$0.00}. Please delete ASAP.
Consumer complaint received 2023-08-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc. (TN)

I opened a credit card account with Big Lots in 2016 my credit limit was very high. I also had an account with XXXX XXXX as well. I make my payments for both Big Lots and XXXX XXXX XXXX Comenity Bank for my payments. Big Lots I have auto pay and XXXX I have paid them off. Comenity Bank when asked about why my credit limit was lowered, XXXX XXXX of the customer service reps said to me, it was because of my credit score. I called back to see what another customer service rep would say if I asked the same question. The next time I called I got Destiny, who said that Comenity lowered my credit card limit because of my credit card score. Comenity teaches their customer service reps to LIE. It is funny when I paid off XXXX XXXX and I told the customer service rep to close it, because I really didn't like the makeup. The next thing I know they lowered my Big Lots credit limit, I thought that to be very odd. The LIE these 2 customer service reps XXXX and Destiny told me because of my credit score, when my score is over XXXX makes me very angry. I pay more than I am suppose to pay, and my balance doesn't go down much. By now it should have been paid off. Comenity is a very crooked bank to deal with and they teach their employees to tell LIES. From the complaints I have read I see I am not alone. They should be closed down from being unfair to the XXXX XXXX.
Consumer complaint received 2024-07-17
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. (TX)

I've submitted several requests for investigation on inaccurate accounts on XX/XX/year> and XX/XX/year>, but the company has not started the investigations. Instead, they have stated that it appears as though my letter was sent by a third party ; however, there is no third-party company submitting my dispute letter. I've also called them on 5 different occasions between XX/XX/year> and XX/XX/year> to which they verified my account, by when I send my exact dispute letter, they send me the same generic letter. This is costing me a financial burden and is preventing me from obtaining a mortgage with my wife.
Consumer complaint received 2018-10-10
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION (FL)

On or about XX/XX/XXXX, I got a car loan from the Navy Federal Credit Union. I purchased also a loan disability Insurance from their Loan Insurance administrator XXXX. At this time I was on XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX I got a XXXX XXXX/XXXX from the XXXX XXXX with XXXX % XXXX from the XXXX/XXXX ( XXXX/XXXX XXXX XXXX ) and a year later ( XX/XX/XXXX ) I have been awarded XXXX % XXXX for ( Service connected ) injuries. 
I was not able to follow up with my car loan payments and I asked the NFCU for my Car Loan insurance Coverage! The NFCU/ XXXX denied my claim and on XXXX they reposessed my XXXX XXXX XXXX XXXX! I owed at the time over {$26000.00}!
Consumer complaint received 2024-06-04
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (WA)

I am writing to ask that Firstmark Services a Nelnet company provide me information on how to apply for cancellation of my private student loans on the basis of fraud and misrepresentation by the school my loan is for, XXXX XXXX XXXX XXXX. I am entitled to a process for private student loan relief because of my schools misconduct. I was lied to about job placement statistics and the school pressured us in a predatory way to take out loans and sign up for school. This is well known and federal loans have already been forgiven via borrower defense cases against XXXX XXXX XXXX XXXX via the Sweet vs Cardona class action lawsuit. Our private loans should also be forgiven based on a proven record of fraud and misconduct.
Consumer complaint received 2024-04-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

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  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) : XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : XXXX, XXXX  : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX, the following accounts referenced above have violated my rights as a consumer. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX or so I contacted the collections department to see if they would waive the last payment of the loan. The person in collections had to transfer me to a different department I think it was settlements, I don't recall. I was told because the amount of the loan is less than what the car was worth the money could not be waives. I made a comment that I will have to make the payment whenever I have it and disconnected the call. I has this loan for 72 months NEVER had a payment reported late, amazingly after disconnecting the call, I get a hit to my credit for late payment. I did not see this on credit until after I paid the vehicle off which was actually the NEXT day after speaking to the gentleman. That late payment brought my score down XXXX points.
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DE)

I am writing to express my concern regarding inaccuracies on my credit report. On XX/XX/2024, I reached out to you to dispute these inaccuracies. Despite my efforts, I have not received any acknowledgment or response to my request. 

XXXX days after my initial contact, I called to follow up on the status of my dispute. Unfortunately, my call did not yield any results, and it seemed as if my initial request had not been acknowledged. 

As of today, it has been more than 107 days since my initial contact, and the inaccuracies on my credit report remain unresolved. This delay is causing significant distress and potential harm to my financial standing. 

I kindly request your immediate attention to this matter. Please acknowledge my dispute and provide an update on the status of the investigation into the inaccuracies on my credit report. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

I was once again a victim of identity theft, and this is yet another request to erase things from my credit file as a result of suspected identity theft. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), CREDIT BUREAUS is required to remove all inquirieswithin 4 business days of receipt. Furthermore, the information provided on some inquiries isUNKNOWN to me and REMOVED from other bureaus, and I have reservations about its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
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: Experian Information Solutions Inc. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-04-19
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. (MI)

I am writing to formally request that accounts refrain from sharing my personal information with third-party agencies and organizations, pursuant to the rights granted to consumers under the Gramm-Leach-Bliley Act ( 15 USC 6801-6805 ). I have attach a previous letter that Ive sent the creditor in writing. Any further refusal of my request will result in legal action. Thank you.
Consumer complaint received 2024-09-08
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. (AZ)

extending the statue of limitations According to the federal credit reporting act everything on my consumer report has to be 100 % accurate. I am informing Transunion you are reporting incorrect information on my consumer report. Related to ( XXXX, XXXX ) FCRA states I am entitled to a 100 % report if not it should be deleted. It is reporting an incorect late payment for XX/XX/year>. Not only is it paid as agreed. Furthermore, its extending THE STATUE OF LIMITATIONS. Posting a XXXX day late payment without a XXXX prior. Please delete late payment and update as paid as agreed. Thank you
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX SC XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX  US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY (NY)

Falsely reporting a fraudulent account on my report as Charged off as bad debt. 

Between XX/XX/year> and XX/XX/year>, the following remark was removed from this account : Remark code removed from TD BANK USA/ TARGET CREDI account Between XX/XX/year> and XX/XX/year>, the following remark was added to this account : Remark code added to TD BANK USA/TARGET CREDI account
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CO)

It has been brought to my attention that Midland never received a bill of sale for debt they sued for. I inquired this information because another debt collector tried to collect the same debt. 
Amount paid doesn't included wage garnishment from multiply employers. 
Midland obtained a new judgement without proper notification in writing, court house told me they have not had anything filed against me since XXXX new order, levy is from XXXX. 
Not willing to work agreement, per letter from earlier this year. Threatenings, rude, illegal practices all the way around Still have not received written notification of bank garnishment.