davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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. (TX)

After conducting a thorough investigation on my credit report, I was dismayed to discover unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported correctly. This has caused severe distress and emotional turmoil. 

In accordance with the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report be reported with 100 % accuracy. However, the accounts in question are in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting. 

I have attached copies of all correspondence sent regarding this matter for your reference and further investigation. I urge your agency to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as mandated by law.
Consumer complaint received 2024-06-12
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)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-06-12
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. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-06-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (NY)

I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.
Consumer complaint received 2024-08-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (VA)

In XXXX, I filed for XXXX XXXX XXXX due to a divorce and because I wanted to save my home. I successfully met my obligations and repaid all creditors who had submitted claims. In XXXX, I had to file for yet another XXXX XXXX XXXX and again due to a divorce. Once again, I fulfilled my obligations and repaid all creditors with claims. 

In XXXX, XXXX, I applied for a loan with XXXX XXXX XXXX XXXXXXXX that was denied. The company did a title search and disclosed to me a debt that appeared in the Schedule. It was at this point that I discovered the Citibank claim. If Citibank had responded to the bankruptcy request, the debt would have been repaid. 

I consulted with my bankruptcy attorneys regarding my options before my second bankruptcy was discharged in XX/XX/XXXX and they advised me to attempt a settlement with Citibank, as there were no other viable solutions. 

I began reaching out to Citibank but faced numerous obstacles with the company, including difficulty locating my account and unclear contact points. After finalizing the XXXX bankruptcy, I formally requested to settle the debt with Citibank. Despite multiple written settlement offers, all were denied, I was informed that Citibank 's policy only allows for settlements at half the amount owed. I thought, what was the purpose of my letters if they already knew what they would accept, I was totally frustrated. Although this may be an attempt to collect a debt, this debt has met a statue of limitations. Not to mention the unnecessary back and forth communication on this matter.
Consumer complaint received 2024-06-12
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. (SC)

15 USC 1681 ( e ) b 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 XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2017-11-08
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: EQUIFAX, INC. (CO)

I have been filing complaints with XXXX for almost two and a half years now Ombudsman group mandated that they remove all payment history prior to XXXX XXXX XXXX to XXXX due to my bankruptcy Chapter XXXX they still have not remove payment histories from the accounting XXXX when I call two weeks ago they stated they see the ongoing problem but somebody has dropped the ball and that 's why it 's still not rectified they stated that they would contact me back within 7 days at which point the proper department will take care of this again and it still has not been done so payment histories from a closed account is still showing up negative on my credit bureau as well as the fact that they have it looking as if there 's five different student loans on my credit report when he won in XXXX was discharged and was requested to be removed and the ones from XXXX were Consolidated and they refused to fix this as well so it in case I have 5 student loans when I do n't
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. (DC)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number ( Private SSN ), Consumer Date of Birth ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( U.S.C. 1681c-2 ) that you, the XXXXXXXX credit reporting agency block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  auto loans accounts opened at XXXX XXXX on XX/XX/XXXX under account number ( XXXX ) and XXXX XXXX XXXX XX/XX/XXXX under account number ( XXXX ) and XXXX personal loan accounts at XXXX on XX/XX/XXXX under account number ( XXXX ) and XXXX  XXXX XXXX opened on XX/XX/XXXX under account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and had inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-06-12
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. (MN)

This account has been charged off as of XX/XX/XXXX. Since then the account has repeatedly been updated as a collection account every single month. This is an update in the payment history. A charged off account should not include an active payment history. The balance has been updated to XX/XX/XXXX. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly and have violated my rights. I am demanding a deletion of the following accounts. 
XXXX
Consumer complaint received 2024-06-12
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. (TX)

According to 15 USC 1681, this company is required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer ( me ) with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information.

According to 15 USC 1681, a credit report does not include the transactions between the consumer and the person making the report. The person making the report in this case is XXXX. It is illegal to continue to allow them to report information on my report when the information reported does not fall within this law.

According to 15 USC 1681c, your company is not authorized to make a report containing any other adverse information other than records of convictions. 

I have contacted XXXX revoking their authority to report any information on me as it is a violation of federal law and my right to privacy pursuant to the Privacy Act of 1974. According to this Act, no agency shall disclose any record ( which includes financial transactions ) unless there is a written request from the individual to whom the record pertains ( me ). I have not given written authorization and I have taken the extra step and revoked their authority. Please see attached.
Consumer complaint received 2017-11-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (CA)

I currently subscribe to Equifax credit monitoring. There product has continuously not worked. I have emailed them twice, called, and chatted. They keep stating issues with their system. I said then I would like to cancel my subscription and receive a refund because you can not provide services. I only asked for the month I prepaid for. They refused to provide refund because I did not cancel in time. But once again, they advertise you can run your score whenever you would like, but you ca n't because their software does n't work. It 's sad they are responsible for your credit. I just want them to do what is right. I have attached the screenshot in which it states report is in progress, it says that everyday, so you can never order and no report is ever generated.
Consumer complaint received 2019-06-21
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Opportunity Financial, LLC (IL)

On XX/XX/XXXX I was in court and a judgement was entered in the amount of {$1800.00} with payment to be sent to XXXX XXXX ( OPP Loans collections attorney ). Payments were to be {$150.00} per month. On XX/XX/XXXX, a cashiers check # XXXX in the amount of {$1800.00} was certified mailed to them using USPS - tracking number XXXX. I had called in XX/XX/XXXX to ensure the payment was posted. It had not been. On XX/XX/XXXX I received a release of judgement from XXXX XXXX. Upon reviewing my credit reports, I see that as of XX/XX/XXXX, OPP Loan still is reporting to the credit bureaus that I am making late payments and delinquent on this account.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I discovered several inaccuracies on my credit report from XXXX, which have significantly impacted my credit score and financial health. These errors need to be rectified immediately to prevent further damage. Here are the details of the disputed items : XXXX. XXXX XXXX Credit Card Account ( Opened on XX/XX/XXXX ) : The account shows a series of late payments, which are incorrect. Payments were made on time, but due to administrative errors, they were reported late. Despite multiple attempts to contact XXXX XXXX to correct this, the errors persist. 
XXXX. XXXX XXXX XXXX Account ( Opened on XX/XX/XXXX ) : This account is incorrectly reported as in collection. I have never had an account with XXXX XXXXXXXX XXXX, and this appears to be a case of mistaken identity or fraudulent activity. 
XXXX. XXXX XXXX XXXX XXXX Account ( Opened on XX/XX/XXXX ) : This account is reported in error as in collection. I have never opened an account with XXXX XXXX XXXX XXXX, indicating potential identity theft or clerical error. 
4. Public Record - Bankruptcy ( Reported on XX/XX/XXXX ) : The public record for bankruptcy is inaccurately reported on my credit report. I have a letter from the court stating that they do not report bankruptcies to credit bureaus. 

These inaccuracies have had a profound negative effect on my financial health, including my ability to secure loans and other credit. Given the severity of the impact, I am requesting an immediate and comprehensive review and removal of these erroneous entries from my credit report within XXXX hours.
Consumer complaint received 2024-06-12
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. (MI)

After looking over my credit report, I noticed that there are XXXX late payments reporting for XXXX accounts that I was never late for with XXXX XXXX. Account number XXXX and XXXX. Can you please investigate and provide the proof of the late payments? If there is no supporting evidence of late payments, can you please have these payments update as I was never late? Thank you
Consumer complaint received 2024-06-12
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. (GA)

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Consumer complaint received 2024-06-12
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)

Ive sent multiple letters to XXXX and Equifax regarding negative accounts on my profile. They arent responding. 

Acct. # : XXXX Furnisher Name : XXXX XXXX This is not my credit account. Can you verify if my name has been mixed up with someone other than me please and then erase this component from my credit file. 
Acct. # : XXXX Furnisher Name : XXXX XXXX did you overlook my letter last month? This is not my collection. Kindly check into and erase this component from my credit report. 
Acct. # : XXXX Furnisher Name : XXXX  How can you ignore my letter the previous month? This can not be my collection tradeline. Respectfully examine and erase this item from my account. 
Acct. # : XXXX Furnisher Name : XXXX How can you avoid my dispute the previous month? This is not my collection account. Respectfully examine and eliminate this bit from my credit account. 
Acct. # : XXXX Furnisher Name : XXXX How could you ignore my dispute the previous month? This can not be my account. Please check into and expel this component from my file. 
Acct. # : XXXX Furnisher Name : XXXX How could you overlook my dispute last month? This is not my tradeline. Respectfully review and get rid of this bit from my credit record.
Consumer complaint received 2024-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (ID)

On XX/XX/XXXX I wrote to Mohela regarding the conflicting payment information I have received, and was told by Mohela that the only amount due would be the {$44.00} on the XXXX of every month. On XX/XX/XXXX, after registering for the new online system for Mohela/Financial Aid , I was surprised to find a new Auto Pay alert on the main page indicating that I would be debited {$380.00} on XX/XX/XXXX and {$44.00} on XX/XX/XXXX. On the same day, XX/XX/XXXX, I sent a message to Mohela again asking for clarification. Without a response from Mohela, I have an entirely different payment coming out of my account today in the amount of {$420.00}. 

Attached is the screen shot of a debit from Dept. of Education ( Mohela ) in the amount of {$420.00} on XX/XX/XXXX. I logged back into the new Mohela portal this morning and I took a screen shot of the Auto Pay alert that indicates that an additional payment of {$44.00} will be debited from my account on XX/XX/XXXX. It is my understanding that I should ONLY have {$44.00} debited from my account. So far, I have not not received a clear or consistent statement/explanation/bill from Mohela. 

The {$44.00} was an approved amount following my application for an income-based repayment plan, utilizing the new program/calculation for federal student loans. As a side note, I can not afford {$420.00}, plus {$44.00}, or an additional {$380.00}.
Consumer complaint received 2017-11-08
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. (TX)

XXXX, XXXX, and Transunion have done nothing to assist me with the identity theft, fraudulent loan in my name, or to bother correcting personal information on my credit report. In XX/XX/XXXX I was called at work by a credit card company to confirm I was trying to make a purchase over 50 miles away. I declined the purchase, contacted XXXX XXXX and then tried to file a complaint with the XXXX XXXX Sheriff 's Department. The deputy was rude and threw the paperwork at me. I have filled it out and sent it to at least one of the credit reporting companies only to have it stay on my report and I am still denied access due to the wrong phone numbers and addresses being on my report. I have never lived in Florida or Oklahoma and yet there are phone numbers for both and one address - all of which are wrong. I also do NOT have two Social Security numbers and yet they are claiming I do. I am not able to access a credit report and last received one after threatening to seek legal counsel yet again from XXXX. 

A creditor is also claiming I took out a loan in XX/XX/XXXX when in fact no loan shows up on my credit report nor did I take out a loan. All three of the credit reporting companies have failed repeatedly to bother correcting the wrong personal information as well as incorrect financial information. 

I have sent in reports and personal information to identify myself frepeatedly and see no point in doing so again since I have been repeatedly denied my rights as a U.S. citizen under the Fair Credit Reporting Act. My records have been inaccurate and I have been denied the correction due to me by this act as well as by applicable laws. I will not be paying incompetent corporations that make money off of selling my personal information in disgusting acts where I was never asked for permission {$10.00} or more for a credit freeze that a criminal can just take off. Due to the hacking and gross negligence of XXXX I do not feel comfortable handing these corporations any more of my personal information since they have proven they are incapable of safeguarding it, let alone keeping an accurate record.