davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2024-04-05
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. (NV)

I am writing to dispute the following inquiries. It does not belong to me. I never established this inquiries. I have no knowledge of obtaining any of the inquiries listed here. Please remove these inquiries and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-01-26
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 XXXX XXXX placed a {$6400.00} collection on my credit report for a debt related to an apartment in XXXX. I disputed this with XXXX, XXXX and Equifax requesting a verification of the debt that was not received and all three bureaus stated the investigation proved the debt was mine. On XX/XX/XXXX I contacted the debtor via phone requesting documentation that I indeed owed monies to them and was told my file could not be located but that the computer showed a balance. I then contacted the collection company whom stated that they do not have documentation outside of an invoice from the company but would not provide me with the documentation. I also requested a payment plan to try and resolve but was told I would not receive the payment plan in writing, as they did not provide any such documentation. I then contacted the debtor and requested that collection activities cease immediately due to no proof of debt/proof of payment plan. Neither has cooperated. 

15 U.S. Code 1692g - Validation of debts States that b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2024-01-26
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. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX Formerly XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX
Consumer complaint received 2024-01-22
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)

Subject : Demand for Action Against Equifax FCRA Violation Dear Sir/Madam, I am writing to demand immediate action against Equifax for non-compliance with the FCRA, specifically 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ( a ), regarding the accuracy and verification of consumer credit information. 

On XXXX, I disputed inaccuracies on my Equifax credit report for the following accounts, which were improperly reported as charged off : XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX Despite my request for proof of charge-offs or deletion of these accounts per the FCRA, Equifaxs response was inadequate, failing to provide the necessary documentation or correct the report. 

Additionally, Equifax failed to furnish the requested proof of charge-offs for the disputed accounts. Instead, they chose to update unrelated details, a response that not only falls short of addressing the core issues raised but also deviates from the FCRA 's directives. This approach is not only unhelpful but also adds layers of inaccuracy to a report already marred by the significant data breach, further undermining the integrity of my credit history. 

Acknowledging Equifaxs removal of the collection account, I nonetheless demand the deletion of the remaining accounts per FCRA guidelines, following their data breach which compromised my information. 

Enclosed are relevant documents supporting my case. I urge your agency to enforce the FCRA and ensure Equifax corrects these violations promptly. 

Thank you for addressing this urgent matter. 

Sincerely, XXXX Enclosures : Dispute Letter, Equifax XXXX Report, Proof of Data Breach Involvement
Consumer complaint received 2024-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MO)

I made a payment to Mohela in the amount of XXXX toward XXXX of my student loans on XX/XX/2023. Initially, the amount was applied to those loans. I later requested for a refund of payments made between XX/XX/2023 and XX/XX/2023. They agreed to refund my payments, but I never received the refund. My balances were reinstated to what they were before the payment. The transaction of XXXX was deleted from my payment history. I have asked for XXXX  months about this issue and Mohela just ignores me or responds XXXX weeks later with something that is not even helpful. They have taken my money and now it is as if I never made the payment. I have the confirmation email from the payment as well as my bank statements proving they withdrew the money and never refunded it or applied it to my balance. They stole XXXX from me.
Consumer complaint received 2023-10-02
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)

These accounts are reported incorrectly and do not belong to me, I want it to be deleted 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 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NM)

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I appreciate you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still a few records that require to be FIXED. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX and Equifax credit bureaus to confirm these records ( XXXX ). ( A ). I'm confident the contested records are settled. XXXX XXXX Account XXXX : {$32000.00}.
Consumer complaint received 2023-11-21
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to dispute a fraudulent account on my credit report. The account in question, listed with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX are not authorized by me and appears to be a result of identity theft. I trust you will conduct a thorough review and provide written notification of the investigation results, including any corrective actions taken.
Consumer complaint received 2024-01-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to request the removal of late payments from my credit report. I believe these entries do not accurately represent my creditworthiness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to request the removal of late payments from my credit report. I believe these entries do not accurately represent my creditworthiness.
Consumer complaint received 2024-01-22
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)

I have previously disputed this XXXX  on my credit report with you, and in response, you verified the item as accurate, stating that you have verified the information with the court. I have the letter from the court stating they do not report to XXXX  credit bureau. Therefore, your initial response verifing the item with the court was an error. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681I ), And the information must be deleted immediately.
Consumer complaint received 2024-04-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Experian Information Solutions Inc. (CT)

Experian makes it extremely difficult to cancel their subscription, you get locked out of your account and have no way to cancel without calling which even then they hassle you about it and may not even get it fixed until your keep calling them. Very shady company
Consumer complaint received 2019-08-20
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK (CA)

XX/XX/2019 was contacted by a financial advisor from XXXX XXXX XXXX.  He said I wasn't qualified for the loan due to high ratios, then he proceeded to solicit service for Freedom Debt Relief.  At the time, I was unaware that he was employed by XXXX XXXX.  It was very aggressive sale tactic.  I informed his I wasn't late with any of my creditors.  He told me it would take years (15) to get out of debt and this is a quicker solution.  I asked him who would notify the creditors and he said they would.  This ended up to be a lie.  He did not thoroughly explain how the fees worked.  After we enrolled, we had to have the start date at the time of my husband's SSI deposit which is the XXXX of the month.  After we made the second deposit.  On XX/XX/2019, we received a Settlement Agreement for Rise Loan.  The loan was for XXXX, the settlement amount was XXXX.  The settlement fee was not listed on the authorize to settle form.  It did state that "This settlement and any associated fees are scheduled to be paid over 8 payments."   I was taken back when I checked my XX/XX/2019 statement on my dedicated account and it showed my deposits of XXXX, XXXX distributed to Rise and all the remaining funds to fees.  I called customer service and was told that all their fees are to be paid up front not as noted on the settlement agreement.  On XX/XX/2019 I spoke with customer service to again clarify the interest rate and terms.  I told her I was not happy with there service as it causing me more fees from my creditors.  After speaking with customer service a week later, I sent a notice in writing that that we were terminating the plan.  Customer service requested that I call them and I didn't get notice that we were terminated until XX/XX/2019.  At that time, we requested the remaining money in the dedicated account and they informed me that it was all towards their fees due.  I questioned why they would be entitled to the XXXX remaining amount and she stated that we owe the full fee charged for the settlement.  We feel their business practice is very deceptive and they prey on vulnerable people.  This is no different than the payday loan business on steroids.  We had 24 accounts listed and by not notifying our creditors that we enrolled in their plan, would leave us open to not only destroyed credit, but being sued. I would have NEVER agreed to NOT having my creditors notified.  If I would have known that for each account they were going to take all the fees in front of the creditors, I would NEVER have agreed.  Now, we are left with excessive fees, late payment fees, and creditors calling constantly.  Words cannot say how dissatisfied I am.  I feel scammed and they practice deceptive business practices.  Now they tell me out of nearly $900, that most of the money went to them.  This is not right!  Lastly, I noticed that they were sued and settled in XX/XX/2019.  Yet, still their methods of business remain the same and I just became another victim of there scam.
Consumer complaint received 2024-01-26
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. ()

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$20000.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$20000.00} XXXX XXXX  Balance : -
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

In accordance with 605B, it is crucial to promptly remove this account. I am quite frustrated that it is showing up on my credit record, so I earnestly request you to erase this account as it does not belong to me.
Consumer complaint received 2024-04-05
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. (TX)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TX)

I've applied over the last 3 years for locations to live and loans to help get on my feet after COVID I loss so much. This credit company would not release my credit information which caused the company to see me as a high risk which they required deposits and higher interest if they assist me and others denied me due to this issue.
Consumer complaint received 2024-01-25
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)

I am a victim of identity theft. On XX/XX/2024, I realized that several credit accounts had been opened using my personal information. All of the card limits were maxed out and my credit score has plummeted to a point that I can't get approved for any new credit. 

The fraudulent accounts are as follows : Account : 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 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MI)

To Whom It May Concern, I am writing to dispute the account on my credit report attributed to XXXXXXXX XXXX This account is invalid as I have no ownership or written agreement with this company. XXXXXXXX XXXX has failed to provide any documented evidence associating me with this debt, nor have they presented my written signature on any documents confirming my ownership of this account. This lack of verification is in direct violation of 15 USC 1681b ( A ) ( 2 ). 

Furthermore, Equifax has caused damage to my credit report by allowing a verified account to be reported without sufficient evidence of its accuracy. This action is a clear violation of 15 USC 1681i ( 5 ). I demand the immediate removal of this account from my consumer report, as I have not provided written consent to Equifax to include this unknown account in my credit report, nor do I have any acknowledgment of this account, which is indicative of fraudulent activity. 

Given Equifax 's history of data breaches and the potential fraudulent obtainment of personal information, I insist on the urgent removal of this account from my credit report. To protect myself I apply fraud alerts to assist this matter moving forward
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.
Consumer complaint received 2023-09-22
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. (NJ)

THIS REMOVED INFORMATION MAY BE WRONG AND I DON'T WANT IT IN MY NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX