davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-16
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)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-11-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (IL)

Have been trying to call NelNet for weeks since my loan was transferred to them. I can not sign into my account online, recovering my username does not work, signing in with my social security number does not work, they keep telling me that my zip code is wrong. It's not. I think I know where I live. So if it's wrong in their system, then my personal information is incorrect with my lender which is insane. I have tried to call dozens of times and the hold times are always over an hour with no option to select a call back. This is sickening and unacceptable.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
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)

This is my other 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Balance XXXX {$590.00} XXXX XXXX  Balance : {$1400.00} XXXX XXXX XXXX Balance : {$300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$6100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

XXXX does not report information on my credit report accurately. Every month one of my accounts is reported and updated on a different day of the month. Currently one of my accounts is showing I have a balance and its actually have a {$0.00} balance. With XXXX reporting inaccurate information caused my payment to drop XXXX points. Which is drastically. XXXX is the only credited reporting agency that have my credit reporting extremely low.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have sent letters and went on my XXXX app too dispute XXXX inquires that arent mine ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX } and XXXX inquires look like the same company and plus inacurrate address 's plus other accounts that i tried to bring to there attention thru letters and plus the app and verbally
Consumer complaint received 2024-01-16
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)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my XXXX  COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2024-01-16
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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the XXXX credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX XXXX XXXX  : {$240.00}.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
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. (MD)

In accordance to the Fair Credit Reporting Act,  XXXX XXXX   has violated my consumer  rights.

 15 U.S.C 1681 section 602 A. States I have the right to privacy.
 The credit bureaus have failed to keep my information private.

 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions. I never gave nobody the permission to furnish anything on my account. So how is this information being reported?

15 U.S. Code  6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. I do not want my information shared with third parties.

15 U.S.C 1681 (2) A (i) the term consumer report does not include report containing information solely as to transactions or experience 
  If this is the case why is my report showing late payments

15 U.S. Code  1666b Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (MN)

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 2023-01-20
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. (CA)

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Consumer complaint received 2023-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Safe rent has sent me a report of my consumer credit report which shows inaccurate residential addresses on my credit profile that has already been addressed and resolved with the major credit bureaus. Safe rent credit profile has pulled residential information from XXXX that is not correct/accurate that should not be listed.
Consumer complaint received 2024-01-16
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NJ)

I am writing to address a matter of utmost urgency and express my vehement dissatisfaction with the erroneous information currently present on my credit report concerning XXXX XXXX, account number XXXX, opened on XX/XX/, reflecting a balance of {$0.00}. Contrary to the inaccuracies reported, I have never been late with XXXX XXXX, and they have acknowledged their mistake, agreeing to update the information. This is a blatant error on your part, and I demand the immediate correction of this misinformation. It is baffling and infuriating that XXXX has already complied with this correction request, recognizing the injustice I have faced. I am astounded that your credit reporting agency appears to be wilfully ignoring my legitimate requests, thus violating the law. The lack of compliance is not only unacceptable but raises serious concerns about your commitment to accurate reporting and adherence to legal standards. This is not a request ; it is a direct and forceful demand for the immediate update of the information concerning XXXX XXXX on my credit report. I expect confirmation of this correction within the shortest timeframe permissible under the law.
Consumer complaint received 2024-01-16
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. (PA)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had Two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023 ) and XX/XX/2023 Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-16
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. (PA)

Hello My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I have never been late on payments for the accounts that i haveincluded screenshot inside this complaint in on dates of ( XX/XX/2023 ). Please investigate and provide proof with statements showing that these payments were late. 

If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I am submitting a dispute and investigation request for these wrongly reported accounts on my credit file. Per the Fair Credit Report Act, I should receive {$1000.00} for each mistake. FCRA 605B obliges us to report any inaccuracies found on a consumer 's report.
Consumer complaint received 2024-01-16
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. (MI)

This marks my third complaint regarding my status as a victim of identity theft. I am submitting to challenge the presence of certain items in my file, which are a direct result of the aforementioned crime. The items in question are unrelated to any transactions involving the acquisition of goods, services, or funds, either authorized or made by me. According to FCRA Section 605b, Credit Reporting Agencies are obligated to expunge any items listed on an identity theft report, specifically those under the reference # XXXX in my case. Kindly remove the reporting of these items from my credit file, as they stem from an alleged identity theft : -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

ATTN : CFPB RE : Inaccurate Reporting XXXX XXXX XXXX I XXXX XXXX am filing this complaint against XXXX XXXX for reporting information inaccurately on my credit report. 
According to15 U.S. Code 1681- Congressional findings and statement of purpose : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
According to 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

According to 15 U.S. Code 1692e - False or misleading representations, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
This is in reference to an account with XXXX XXXX beginning with # XXXX. I have provided proof of the inaccuracy attached to this claim. I have contacted XXXX XXXX XXXX numerous times, and they refuse to remove this inaccurate account from my credit report. This also is a violation of my Privacy under the Privacy Act of 1974. XXXX, XXXX, and Equifax are non-affiliated which violates 15 U.S. Code 6802. XXXX XXXX hasn't furnished a copy of my wet signature giving them permission to share my information with any non-affiliates. XXXX XXXX also hasn't provided a contract between us. 
This debt is a certificate of indebtedness and has been discharged. Income isn't supposed to be listed on a credit report. XXXX XXXX filed a 1099 to discharge the debt and failed to send me my 1099B copy from the IRS. This is security fraud and I request compensation.
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. (AL)

As someone who has consistently adhered to payment deadlines, it is troubling to discover an error suggesting a late payment on my account. This mistake is causing undue stress, and I urge you to promptly correct it by ensuring my records are updated accordingly.
Consumer complaint received 2024-01-16
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. (NC)

I have been attempted to apply for a home loan and the false information on my credit report has made that almost impossible. There are Incorrect Addresses, false Inquiries, Late Payments on non existent accounts, late payments on open accounts, and wrong employment listed on my report which need to be removed immediately as they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681g and 1692g ( 5 ), my rights are being violated due to the inclusion of inaccurate and unverified items.
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NC)

My husband passed away and we had a mortgage with Nationstar. I know that I am on the security instrument and the deed of trust but will not let me have a right to speak on the property. However Nationstar offered a loan modification in which I have been performing on month after month ( over 4 months ). No funds have been sent back from Nationstar and I have sent documents to assume the loan. I even asked Nationstar in writing can I assume the mortgage and still not response. However, even after they call daily, have emailed my point of contact XXXX XXXX I can not get a response.
Consumer complaint received 2024-01-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

I question the validity of your verification process, as I have yet to receive any valid verification or explanation for the existence of these accounts. Despite my previous disputes and your assurance of a response within a week, it has been 30 days, and I have received no information or resolution regarding these distressing accounts. I demand immediate action to remove these fraudulent accounts from my credit report. 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
XXXXXXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
It is crucial to note that the lack of verification for these accounts raises serious concerns about the accuracy and integrity of your reporting process.
Consumer complaint received 2024-01-16
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)

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX