davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
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 recently contacted Equifax to request the removal of several inquiries from my credit report, which were the result of identity theft. Unfortunately, these inquiries were reinstated within hours, with the explanation that they would remain on my report for XXXX years. I am concerned that a thorough investigation into these disputed entries was not conducted. 

This situation is unacceptable. I urge you to conduct a detailed investigation and remove these unauthorized inquiries as they are adversely affecting my credit score.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

I am writing to request clarification regarding a concerning issue with my credit report. As a current student, I believe that my student loan which should be in deferment status, in accordance with the applicable laws and guidelines. However, I have noticed that this loan has been consistently having a negative impact on my credit score as reported by Equifax. I am seeking an explanation as to why my student loan, which should be in deferment status, continues to negatively affect my credit report. It is my understanding that according to the law, a student loan in deferment should not have an adverse impact on one 's credit score. I would like to request a detailed explanation as to why this issue is occurring and how it can be rectified. Additionally, I am eager to receive guidance on the steps I can take to ensure that my credit report accurately reflects the deferment status of my student loan, as mandated by the relevant regulations. I appreciate your prompt attention to this matter and look forward to your timely response. 

Reporting INFO : Between XX/XX/XXXX XXXX  and XX/XX/, your DEPT OF ED/XXXX  student loan account balance increased by {$120.00} from {$24000.00} to {$24000.00}. 

It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can.
Consumer complaint received 2023-12-21
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)

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX/XXXX XXXX
Consumer complaint received 2024-05-02
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. (NY)

I am formally disputing and requesting the correction of inaccurate data on my credit report regarding late payments. It is crucial that these accounts are corrected to accurately reflect the payments and that any erroneous information is rectified promptly. 

Regarding the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payments was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.
Consumer complaint received 2023-10-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (TX)

I moved to XXXX  and need money transferred for my house closing. They refused without me visiting a branch. They have no branches in XXXX. They said I can write a check. I asked for a free check to do so. They said no. I asked how can I get my money out the bank. They said the only free way to do it is through bill pay. I initiated a bill pay to deposit in another bank. They took 10 days to send it and now the bank is holding it hostage. I will need a way to get the rest of the money out of my account. Why is it so hard to get my own money??
Consumer complaint received 2023-04-23
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. (IL)

I have tried to fix this issue by reporting these fraudulent inquiries showing on my consumer report. You have caused me mental and financial stress when you issued an inquiry that does not belong to me and in which I am not responsible for. I'm a victim of identity theft and I'm seeking litigation if this complaint not handled accordingly. Cause " you know guys, I have not been able to purchase my dream house and provide for my family needs due to these inaccurate and fraudulent items showing on my consumer report. I attached a letter I previously sent together with FTC.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MD)

I have disputed inaccurate public record information numerous times. The dispute entity name is abbreviated, the street address is misspelled and inaccurate and XXXX XXXX has reported to the credit reporting agencies that the public record information investigated by XXXX is UNVERIFIABLE. 

The credit reporting agencies have not deleted disputed information and are in violation of the FCRA.
Consumer complaint received 2023-12-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MI)

XXXX, Equifax, XXXX are reporting an invalid address for me. I have never stayed at XXXX XXXX XXXX, XXXX mi, XXXX. I have no accounts tied to this address. My address is XXXX XXXX XXXX, XXXX mi XXXX, I have been at this address for XXXX  years, I have stayed in XXXX my whole life.
Consumer complaint received 2023-08-05
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. (VA)

The credit bureaus stated that my file was properly investigated but how is this possible when my personal name and address is not correct. I have already attempted to correct the following issue with credit bureau. 

Incorrect names : XXXX XXXX ; XXXX XXXX, XXXX XXXX ; XXXX XXXX ; Incorrect address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX ; XXXX XXXX XXXX XXXX, XXXX, Virginia, XXXX XXXX XXXX XXXX XXXX, Texas XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX This is grounds for removal they also violated my rights under 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 : States a consumer reporting agency agency can not furnish an account without my written instructions. 

Also the credit bureau took more than 30 days to complete my investigation.
Consumer complaint received 2024-05-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (NV)

These companies XXXX XXXX XXXX and Jefferson capital systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Is Reporting fraudulent Inaccurate Information on my credit report I have requested that they provide the purchase agreement To show Ownership of such account and other documents So I may review to see if this account actually belongs to me
Consumer complaint received 2023-12-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (CA)

I am writing to bring to your immediate attention a matter of utmost importance regarding the presence of fraudulent accounts on my credit report. I recently obtained a copy of my credit report and was shocked to discover unauthorized and fraudulent entries negatively impacting my credit score. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

I vehemently dispute the accuracy and legitimacy of the aforementioned accounts, as I have never engaged in any financial transactions with the mentioned creditor. These entries are not a result of any action on my part, and I believe that my identity has been compromised, leading to the inclusion of these fraudulent accounts on my credit report. 

XXXX XXXX XXXX  XXXX FRAUD, PLEASE DELETE!!!!! 

I demand an immediate and thorough investigation into these matters, and I request that you take the necessary steps to remove these fraudulent accounts from my credit report at the earliest possible opportunity. The presence of these inaccurate entries is not only damaging my creditworthiness but also causing undue stress and inconvenience. 

I expect prompt action in accordance with the Fair Credit Reporting Act ( FCRA ) to rectify this situation. Please provide me with a detailed written explanation of the steps you are taking to investigate and resolve this matter within the next 30 days. Additionally, I request that you furnish me with a corrected copy of my credit report once the fraudulent entries have been removed. Please acknowledge receipt of this letter promptly and inform me of the steps you are taking to address this matter. I can be reached at the contact information provided above.
Consumer complaint received 2023-12-21
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 would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-21
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. (NV)

When I reviewed again my credit report, I discovered that some of the information was still erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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
Consumer complaint received 2023-12-21
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)

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 XXXX u.s.c. XXXX 
Account Name .... XXXX XXXX XXXX Account # XXXX ... Account Name .... Capital XXXX .... Account # XXXX .... Account Name... Credit XXXX bank ... Account # XXXX .... Account Name .... Credit XXXX bank .... Account # XXXX .... Account Name... XXXX premier ... syncb/old na .... XXXX XXXX na ... XXXX XXXX .... 15 u.s.c 1681 section 602 A. state 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 an account without my written instructions.

15 u.s.c 1681 c. ( A ) ( 5 ) section states : no consumer reporting agency may make any 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 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate...
Consumer complaint received 2023-02-16
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. (FL)

It's been months since I found that my credit report has erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CRED XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-12-21
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)

I called Equifax to get my credit report on XXXX XXXX and after receiving it I noticed there were some hard inquiries that did not have permissible purpose according to 15 USC 1681b I also attached my credit report and shown that XXXX is violation of FCCA.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX  reporting/sharing private nonpublic consumer information with thrid parties, violated cease and desist that has been in effect since XX/XX/2022 XXXX XXXX, XXXX refuses to follow consumer request to opt out of all information sharing.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO. (NY)

I'd like to refer to you the attached affidavit of service from the debt collector XXXX, XXXX, XXXX, and XXXX ( XXXX ). 

In the affidavit of service, the agent of MRJF states that he talked to my neighbors to determine my address, and looked through my mail to determine my address. 

I would refer you to 18 U.S.C. 1708.

Going through my mailbox and my mail to determine if I live somewhere constitutes mail theft. I have asked the USPS Postal Inspector to prosecute. 

The affidavit also states that the debt collector " spoke with a neighbor who says the subject resides. '' This is a clear effort at intimidation. My neighbors should not be informed of my debt, a process server should not trespass on my property, or attempt to rifle through my mail. 

I ask the CFPB to take immediate action against this debt collector for violations of the law. 

I also want to make clear that while MJRF has accused me of filing duplicative complaints as a way to " intimidate '' them, I have not complained about this issue before as it has just come to my attention.

The complaints I am filing against MJRF represent distinct instances of where I believe them to be breaking the law, and if they would like me to stop complaining, they should stop breaking the law.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NY)

Today XXXX XXXX XXXX from the firm XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXX ) wrote me the following email : " XXXX XXXX, I have answered your repeated emails previously. My office is in the process of responding to your CFPB complaints ; kindly refer to those responses. '' This is a false statement. 

First off, I still have not received any documentation that I have requested, nor have I received direct responses to my questions. 

You see, the issue I have had repeatedly with this firm is they will not answer questions. They also have a history of lying. 

I also have an issue with the fact that they refuse to talk with me or answer emails, phone calls, or other questions. 

I would also like to point out this is the only time I have complained about the false statements made by XXXX XXXX today, XX/XX/XXXX. She has asserted I am trying to " intimidate '' her firm by making duplicate complaints, but that is not the case. 

I am simply filing a complaint every time her firm breaks the law. 

If she would like me to stop making complaints, I would advise her to pick up the phone and talk to me, and work out how I can get the documents I need. 

I would also advise her to answer questions directly. Lying by omission is still lying.
Consumer complaint received 2023-12-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Someone has used my SSN to apply for a credit without my knowledge and I believe I'm a victim of identity theft. On XX/XX/XXXX I received an email from XXXX XXXX informing me of a new hard inquiry on my credit. I am subscribed to XXXX XXXX 's credit monitoring service. I have not conducted any business that required a hard credit inquiry with any institution, so I pulled my latest credit report from XXXX  and confirmed the hard inquiry I was notified about in the three bureaus. The inquiry was processed by EQUIFAX MORTGAGE SERVICES on XX/XX/XXXX and the originator was XXXX XXXX XXXXXXXX XXXX I called XXXX XXXX XXXXXXXX XXXX  and reported a hard inquiry on my credit coming from them that I was not aware of, they took note of my case and said they would send it to the appropriate team to investigate. I have not heard back from them. 

I had purchased the Identity Theft Protection service from XXXX XXXX XXXX XXXX, and they are also helping me work through this issue and have reached out to the Bank as well. I am reporting this case to the CFPB per their recommendation. 

Thank you
Consumer complaint received 2024-05-02
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. (FL)

This agency is in violation of 15 U.S.C. 1692g. My federal trade commission identity theft report was certified mailed to Equifax, XXXX, and XXXX. My dispute did not resolve the issue for the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FEDChex Recovery, LLC (TN)

Yesterday, XX/XX/2023 I received a email from a debt collection agency about a book that was apparently owed to a local college bookstore by the name of XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX  The email had my old address which is a HUGE PRIVACY/SECURITY CONCERN and it had a debt amount of XXXX dollars which I DO NOT owe. I have tried to return the book 2 years ago back when the book was due but they told me since it was old and they no longer used that version that I could keep it or go sell it. I have tried to return the book twice since then 2 YEARS AGO. It is insane that 2 years later a debt collector wants to come after me. i want the debt collector to know that I WILL FIGHT THIS AND WILL NOT LET THEM PUT THIS ON MY CREDIT.