davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-30
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)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-29
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 have inaccurate information as being reported to the credit bureaus such as accounts that were not created by me old addresses, old phone numbers and aliases that I do not use or no longer have. Im experiencing a hardship in life right now and having to write marks and information on my credit is impacting me very much, Im asking to have these accounts that are fraudulent and all the incorrect information being reported to the bureau removed from my credit report immediately
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, 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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a 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 2024-08-05
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. (NY)

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 XXXXXXXX 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 has violated my rights. 


15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I am lodging this complaint on my own behalf. Upon reviewing my credit record, I found late payments listed. Despite sending letters over 30 days ago, I haven't received a response, and they've failed to provide satisfactory validation. I kindly seek your assistance in resolving this issue.
Consumer complaint received 2024-05-13
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. (NM)

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 items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-08
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: Experian Information Solutions Inc. (MD)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2023-12-20
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: Goal Structured Solutions, LLC (GA)

I am the co-signer on 5 student loans for my daughter that were reported on my credit report by Launch Servicing as 30 days past due on XX/XX/XXXX. 

The loans have been in in-school deferment as of Fall XXXX. My daughter 's graduation date is scheduled for XX/XX/XXXX. Launch Servicing had an incorrect graduation date that showed her graduating in XX/XX/XXXX. The school subsequently sent documentation to Launch showing her IN SCHOOL in XXXX  and a graduation date of XX/XX/XXXX, with no lapse of enrollment. 

I requested that Launch Servicing reverse the credit reporting of a 30 day past due because the document from the school verified her enrollment at the time of the reporting. I was told by TWO customer service representatives, on two separate occasions, that I had to file a dispute with the credit bureaus to have the reporting removed. However, when I filed the dispute with the credit bureaus, Launch Servicing did not reverse the past due reporting. Instead, Launch Servicing verified that the past due reporting was correct. 

I am disputing this reporting for two main reasons ; 1. The letter of verification from the school explicitly states she was in school from XXXX to XX/XX/XXXX. There was no lapse in her in-school enrollment, and therefore no legal reason to remove her in-school deferment, and therefore no payment was due. The negative reporting by Launch is illegal and an egregious abuse of power, since the consumer can not change any reporting made to the credit bureaus. The written verification from the school was sufficient to warrant a reversal of the late payment reporting. 

2. As a cosigner, I should have been notified in writing of the pending past due payments. However, I did not receive any written notification. I learned of the past due reporting from the credit bureaus. Legally, I am entitled to written notification. Upon reviewing the account online, I noticed that Launch Servicing had changed my address to a Washington address, without my knowledge or consent. I do not live in Washington and did not request or authorize a change of address. 

3. I have made several calls to Launch Servicing about this matter. Overall, the representatives are inept, show no concern for the customer 's plight, and merely regurgitate company jargon without exercising any critical thinking skills or problem resolution effort.
Consumer complaint received 2024-05-29
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. (GA)

XXXX, XXXX, & Equifax are reporting an allege charge off account on my consumer report listed as XXXX XXXX XXXX XXXX XXXX  I would like the consumer agencies to send me the account documents they used to verify this information as its on the consumer agencies to provide the burden of proof so either prove you completed a reasonable investigation by providing proof of validation. If you do not within 7 days of this report I will sue.
Consumer complaint received 2023-12-25
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services (CA)

Lendmark Financial Services XX/XX/XXXX Open Loan {$4900.00} Principal ( P ) Interest ( I ) Total ( T ) Balance ( B ) XX/XX/XXXX Payment - {$53.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4900.00} ( B ) XX/XX/XXXX Payment - {$50.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4800.00} ( B ) XX/XX/XXXX Payment - {$55.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4800.00} ( B ) XX/XX/XXXX Payment - {$53.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4700.00} ( B ) XX/XX/XXXX Payment - {$54.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4700.00} ( B ) XX/XX/XXXX Payment - {$68.00} ( P ) {$110.00} ( I ) {$180.00} ( T ) {$4600.00} ( B ) XX/XX/XXXX Payment - {$58.00} ( P ) {$130.00} ( I ) {$180.00} ( T ) {$4500.00} ( B ) XX/XX/XXXX Payment - {$63.00} ( P ) {$120.00} ( I ) {$180.00} ( T ) {$4500.00} ( B ) XX/XX/XXXX Payment - {$61.00} ( P ) {$120.00} ( I ) {$180.00} ( T ) {$4400.00} ( B ) XX/XX/XXXX Payment - {$67.00} ( P ) {$120.00} ( I ) {$180.00} ( T ) {$4400.00} ( B ) XX/XX/XXXX Payment - {$65.00} ( P ) {$120.00} ( I ) {$180.00} ( T ) {$4300.00} ( B ) XX/XX/XXXX Payment - {$66.00} ( P ) {$120.00} ( I ) {$180.00} ( T ) {$4200.00} ( B ) XX/XX/XXXX Payment - {$72.00} ( P ) {$110.00} ( I ) {$180.00} ( T ) {$4100.00} ( B ) XX/XX/XXXX Payment - {$70.00} ( P ) {$110.00} ( I ) {$180.00} ( T ) {$4100.00} ( B ) XX/XX/XXXX Payment - {$76.00} ( P ) {$110.00} ( I ) {$180.00} ( T ) {$4000.00} ( B ) Interest Rate 32.99 % ****That is the status of my loan for a Car, It started at {$4900.00} and after {$2800.00} in payments my Balance is down to only XXXX? It seems like nothing here is going to the Principal of the loan and I'm going to be paying it off forever? I should be approaching the end of the interest payoff, so shouldn't the balance be going down more rapidly at this point? I do not remember how long the loan was set for, if it were 3 years or 4 years. If it's 4 years I feel like it's got to be criminal like a loan shark or something at this point, interest would be {$4000.00}? **** ****I was helping someone get a car after theirs was stolen, so it was all rushed and we just took what we could get. I'm just trying to understand when the loan will actually be paid off, and what the total is going to be. I don't really know anything like most people I imagine, though everyone on the XXXX  is complaining about this company, Some increased their payment amounts and still see no real hit to the principal. The interest seems especially exorbitant. ****
Consumer complaint received 2023-07-26
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. (FL)

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 account # XXXX XXXX XXXX XXXX and Department of Education/XXXX account # 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 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 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am requesting that XXXX  XXXX be removed from my credit report. The account has been charged off which means they received payment for the account. They are still reporting my account negatively on my credit report, which is illegal. They have made financial gains from my account and therefore can not negatively report the account on my credit report.
Consumer complaint received 2023-05-16
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: EQUIFAX, INC. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX XXXX Delete this account.
Consumer complaint received 2024-05-30
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. (IN)

I recently reviewed my credit report and noticed an account that is not being reported accurately. Specifically, there are two late payments listed on an account for which I made timely payments. The Dates are XXXX XXXX XXXX XXXX XXXX  It is essential that consumer reporting agencies provide information that is completely accurate. 

I have attached a copy of my report to this complaint, highlighting the dates in question. Please investigate this account and update the payment status to reflect that these payments were made on time. 

Thank you for your understanding and prompt attention to this matter.
Consumer complaint received 2024-05-13
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. (NJ)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC (MI)

it is my belief that my information was used in an identity thief from my ex landlord when i was doing repairs on the house and his sister that was getting rent from me but was not reporting it to the Michigan department of human services. i informed them that i was going to expose the matter. i was removed from the home years ago and unfortunately some of my mail continued to be sent to that address. i reported the use of my information to Opploans that has reported this item on my credit report which is hurting my credit score as we speak. my id number with the ftc XXXX doing the Covid 19 relief funds they tried to get me to fill out forms to submit for non payment but i had receipts that i paid rent. most of the family has moved out of town or deceased. also this not being my loan i did in fact submit repayment because it coming in my name. Section 22750. ( a ) states if any amount other than, or in excess of, the charges permitted by this division is willfully charged, contracted for, or received, the contract of the loan is void, and no person has any right to collect or receive any principal, charges, or recompense in connection with the transaction. ( b ) if any provision of this division is willfully violated in the making or collection of a loan, whether by license or by an unlicensed person subject to this division, the contract of loan is void, and no person has any right to collect or receive any principal, charges, or recompense in connection with the transaction ( Amended by Stats 2013, ch 467, sec3.. ( SB 318 ) Effective XXXX XXXX, XXXX
Consumer complaint received 2023-12-24
Product: Credit card — Store credit 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: CITIBANK, N.A. (CA)

I purchased a XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( online at Best Buy ) and charged it to my Best Buy Credit Card. The bike was delivered and had a defective tension motor out of the box as well as a software issue where the screen would stop working. I contacted Best Buy and they said they can not assist and that I need to deal with XXXX XXXX  directly. I contacted XXXX XXXX, who then sent me to a 3rd party for assistance with my warranty. This was during the return window. They declined to help as well. I went back to Best Buy and they said they will not assist. I now have a bike I paid {$2100.00} that does not work properly. I continued to reach out to Nordic Track and the 3rd party they contract their warranty to and they continued to stone wall me. I spent a year calling them repeatedly about my defective bike and many hours of phone calls. One service agent suggested that I have my " partner '' fix it for me. I am single. This was offensive. They then stated that I could pay one of their service partners {$250.00} for a service call, then let that service partner order parts, pay for the parts, spend another {$250.00} for another service call, and they will review it later and see if they will reimburse. This seemed like a fraudulent money grab. Please keep in mind this was defective out of the box upon delivery and clearly within the warranty timeframe. After so many calls and receiving no help the bike just sat in my living room unused. This year I paid out of pocket to XXXX XXXX in XXXX, CA to diagnose the bike. The charge was {$100.00}. They said it was a defective tension motor. They ordered the part and returned on XX/XX/XXXX to install it and I paid another {$120.00} plus the cost of the part for that service. The bike was ridden about XXXX times per month since then and the tension motor ( a XXXX XXXX  part directly from the company ) failed again and the flywheel/bearings are also defective ( knocking sound ). This feels like a lemon and I have been sold something that was improperly manufactured and the company just stone walls its customers by sending them to a 3rd party that frankly could care less about honoring the warranty. All told this was sold as a commercial quality bike and it has never actually worked as advertised and the parts I am repairing have been confirmed as a manufacturer 's defect. They need to replace this bike or refund the charge. Best Buy has an obligation to not sell defective merchandise. They are absolutely a big issue in this whole transaction.
Consumer complaint received 2024-05-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I sent a dispute letter to the Credit Bureau on XX/XX/2024 via regular mail. The credit reporting agency has failed to acknowledge, remove and block the fraudulent information appearing on my credit reports. The credit reporting agency also has failed to provide me with any correspondence, updates, or notify me of any changes and corrections made to my report. The credit Bureau has also failed to provide me with an accurate and valid credit report. The credit Bureau was sent the following information on XXXX, XXXX : credit dispute letter that included each fraudulent account and inquiry, police report, identity theft report, state attorney 's identity theft affidavit, FCRA section XXXX, social security card, drivers license, and my birth certificate. After providing this information to the credit bureau they failed to delete and block the fraudulent accounts within four business days from the receipt of notice. The fraudulent accounts are still appearing on my credit report as such : XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX {$14000.00}, XXXX XXXX XXXX XXXX {$8200.00}, XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$270.00}, XXXX. XXXX $ XXXX accounts are fraudulent and were not opened by me nor did I provide them with authorization or consent to use my information, and I also did not enter or sign into any contracts, or agreements with these creditors. The fraudulent accounts should be removed and prohibited from reporting on my credit as pursuant to section 605B which states that fraudulent information is required to be blocked and removed within four business days after the receipt of all evidence provided in which the credit reporting agency has failed to do. By failing to remove and block fraudulent accounts from my credit report within four business days of the receipt of notice of each of the fraudulent accounts, the police report, identity theft report, identity theft affidavit, section 605B of FCRA, proof of identity, and credit dispute letter. The credit Bureau is in complete violation of my rights by not complying and being completely negligent by not taking any actions to correct fraudulent accounts as required by FCRA law. The credit bureau has also been negligent in providing correct and accurate credit reports.