davidheineman/consumer-finance-complaints-large huggingface dataset:
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 hope this letter finds you well. I am writing to address a matter of concern related to the accuracy of the information on my credit report. Upon reviewing my credit report, I have noticed the presence of late payments that I believe to be inaccurately reported. 

XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX XXXX customer service representative. 

XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX customer service representative XXXX 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXX XXXX customer service representative XXXX 

I would like to bring to your attention that the reported late payments are not reflective of my actual payment history with the mentioned creditor. I take pride in maintaining a responsible and timely payment record, and the inclusion of these late payments is both puzzling and damaging to my credit standing. 

In light of the above, I kindly request that you conduct a thorough investigation into the accuracy of the reported late payments and take immediate action to correct any inaccuracies found. I believe this discrepancy may be the result of an error or misunderstanding, and I am confident that a review will reveal the true nature of my payment history. 

I understand the importance of accurate credit reporting and the impact it has on one 's financial standing. As such, I appreciate your prompt attention to this matter and request that you provide me with written confirmation of the resolution once the necessary corrections have been made. If further information is required from my end to facilitate this process, please do not hesitate to contact me using the information provided above.
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 15 USC 1681. 


Account Name : XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$5500.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$5400.00} Account Name : DEPT OF ED/XXXX. Account # XXXX balance XXXX Account Name : DEPT OF ED/XXXX. Account # XXXX balance {$3800.00} Account Name : DEPT OF ED/XXXX. Account # XXXXXXXX balance {$1700.00} Account Name : DEPT OF ED/XXXX. Account # XXXX {$3000.00} Account Name : DEPT OF ED/XXXX. Account # XXXX {$1500.00} Account Name : DEPT OF ED/XXXX. Account # XXXX {$1500.00} Account Name : US DEPT OF EDUCATION. Account # XXXX high balance {$5500.00} Account Name : US DEPT OF EDUCATION. Account # XXXX high balance {$2700.00} Name : XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account XXXX : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX. Account # XXXX Account Name : XXXX  XXXX XXXX. Account # XXXX Account Name : XXXX XXXX  XXXX. Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account Account # XXXX Account Name : XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION (IA)

Dear Sir or Madam, There is an Unauthorized Credit Inquiry by Your Company on my Credit Reports. While checking my personal credit report, which I acquired from XXXX XXXX, I noticed an inquiry made by your company. I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business days so that I can verify its validity. Mail it to the address listed above.If you can not provide me with proof that I authorized you to view my credit report then I am demanding that you contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from your records. Please send me a written confirmation that you have complied with my requests. Your failure to comply with my requests within five ( 5 ) business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. 1681n ] and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I was a victim of fraud and I recently I received a copy of my credit history report from XXXX. That Report contained incorrect information reported by you. 
I contacted XXXX, Equifax and XXXX to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : { dispute_item_and_explanation } I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please contact XXXX, Equifax and XXXX , immediately to remove this information from my credit file. 
Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information.
Consumer complaint received 2024-04-16
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. (SC)

I was a victim of fraud and I recently I received a copy of my credit history report from XXXX. That Report contained incorrect information reported by you. 
I contacted XXXX, XXXX and Trans-Union to request deletion of this inaccurate data from my Credit History Report, but they have refused. They insist that your company claims this information to be accurately reported. This is not true, and here as follows is the correct information : { dispute_item_and_explanation } I am enclosing the following documentation to support my claim that the information you have reported is not correct : This negative mark is damaging to my credit. Please contact XXXX, XXXX and Trans-Union , immediately to remove this information from my credit file. 
Please confirm to me within 20 days that you have contacted the credit bureaus to correct this information.
Consumer complaint received 2023-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NV)

I am requesting the full accounting file for both the private and public sides of the ledger for account number XXXX. The ledgers of this account will show any checks or payments made to me by Mohela that I am required to pay back. I am aware that I provided a promissory note as collateral for this transaction and the amount of the promissory note is considered is equal to the sum of what is alleged that I owe. If there is any interest made on this account, I as the account holder am entitled to all rights, interest and dividends and demand that they be released and paid to me immediately Mohela claims to be a servicer for the Department of Education which is a subsidy of the United States. However, they do not have the power to collect on behalf of the United States. The head of executive, judicial, or legislative agency are the only parties that can collect on behalf of the United States. To my knowledge, Mohela is not an executive, judicial or legislative agency. Mohela continues to send me statements asking for payment when I do not owe them anything. 

I am requesting that this company cease and desist any further communication with me through any medium including reporting to any consumer reporting agency. I wish to opt out of any further reporting of the above account. 

As this company is currently in possession of my personal non-public information without authority or consent and using the information to extort payments from me, they are guilty of aggravated identity theft. Using the personal information of another person without consent is the definition of ID Theft according to the FTC. Any further claims of money being owed to this company will result in a federal lawsuit for damages related to making a false claim, securities fraud, and defamation of character. 

I am demanding that Mohela delete all accounts reporting on my consumer report as these are unauthorized accounts and I have not provided consent for the reporting of these accounts.
Consumer complaint received 2024-04-16
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)

To the Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding significant inaccuracies and fraudulent activity present in my credit report, which have been causing detrimental effects on my consumer rights and financial well-being. 

Recently, I discovered several discrepancies within my credit report provided by Equifax. These discrepancies primarily concern inaccurate personal information and unauthorized credit inquiries, which pose a serious threat to the integrity of my financial profile. Despite my efforts to address these issues directly with Equifax, I have yet to see any meaningful resolution. 

Personal Information for Equifax : NAME : XXXX XXXX XXXX XXXX It has come to my attention that there are variations of my name existing within Equifax 's records. I have requested the immediate removal of any entries that do not precisely match my correct name, " XXXX XXXX XXXX XXXX. '' However, these inaccuracies persist, potentially compromising the accuracy of my credit profile. 

CURRENT ADDRESS : XXXX XXXX XXXX, XXXX, NC XXXX Furthermore, there are additional addresses listed in Equifax 's system that do not correspond to my current residential address. I have explicitly requested the deletion of any address entries that do not align with " XXXX XXXX XXXX, XXXX, NC XXXX '' to ensure the accuracy of my credit information for future transactions. 

Unauthorized Credit Inquiries : Inquiries made by the following entities were unauthorized, and I did not provide consent for any inquiries : XXXX, XXXX, Equifax XXXX XXXX XXXX XXXX XXXXXXXX, Equifax XXXXXXXX XXXX XXXX XXXXXXXX, Equifax XXXXXXXX XXXX XXXXXXXX, Equifax These unauthorized inquiries not only violate my privacy rights but also undermine the integrity of my credit report, potentially leading to adverse consequences for my financial well-being. 

In conclusion, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take necessary actions to rectify the inaccuracies and fraudulent activities present in my credit report. Your prompt attention to this issue is crucial in safeguarding consumer rights and ensuring fair and accurate credit reporting practices. 

Thank you for your assistance in addressing this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (DE)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have reached out to the following accounts below and talked to them about the issue with my account as reported by the TRANSUNION. They have advised me that they will remove the account and will correct the credit report accordingly and accurately, however, as I reviewed my recent report these accounts are still reporting. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Consumer complaint received 2024-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I submitted a complaint regarding the reporting of XXXX XXXX XXXX of an account with data inaccurate. I requested this account be deleted for inaccurate reporting. I received a letter back from Transunion after pointing out the discrepancies XX/XX/16 that it meets FCRA. I have attached the document which clearly shows an open account which a collections account should not be reporting open and it also is reporting past due which is also a violation. As such I am requesting damages in the amount of XXXX as well as the removal of the account from both my TransUnion account as well as my XXXX credit report.
Consumer complaint received 2024-04-16
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. (FL)

XXXX continues to report an authorized user account as if I have ownership of the account. I was removed electronically from this credit card months ago, before it was closed. However, when I dispute this account with Equifax, they continue to say the card is mine and I am the owner. Equifax requests a letter stating that I was removed as an authorized user before they will delete this from my credit report. However, XXXX reps refuse to offer the letter and still continue to make me responsible for this account, at XXXX point saying nothing can be done since they have sold the account to someone else. I am not legally liable for this account and want it deleted from my credit report. XXXX XXXX, my mother, is legally liable for it. I was just an authorized user.
Consumer complaint received 2024-02-17
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)

XXXX, equifax and XXXX are in major legal trouble for the act of identity theft by reporting inaccurate and non public information In accordance 15 Us Code 1681A ( I ) Reporting Transaction history and experiences On a consumer report is illegal as all illegally reporting accounts are reporting the balance payment history payment dates the status of accounts which is transaction history negative remarks on my credit report which discusses my experience with a creditor just under that Truth equifax, XXXX and XXXX is reporting identity theft with non public information thats supposed to be private According to the Fair Credit Reporting Act, 15 USC 1681 section 602a emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. As the consumer, I assert my right to safeguard privacy Also 15 USC 6802 ( b ) ( c ) specifies that a financial institution must provide an explanation of how consumers can exercise their nondisclosure option. However, Creditors above who furnished information to credit agencies has failed to inform me of this right. I am giving Equifax, XXXX and XXXX 30 days of receipt to remove all inaccurate accounts off consumer file I will be charging bureaus a XXXX dollars each day Inaccurate accounts stay on report Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will be my direct proof of claim to take Bureaus to arbitration as all accounts report transactions history
Consumer complaint received 2023-12-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I received a notice ( XX/XX/2023 ) from Bank of America that my credit card was expiring and that I should be expecting a new card in the mail soon. Please note that I have not used this card for over a year since my XXXX credit card has better rewards. 

A couple of weeks went by and I still did not receive the card. So I went to check my account online and I see numerous charges on the card that I clearly did not make. 

XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL {$260.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL {$260.00} XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL {$270.00} These are the only charges to the Bank of America credit card in over a year ( I have not touched this credit card at all ) and the transaction were made all across the state of Florida. I live in XXXX XXXX and have not been to anywhere close to these other cities. I did not receive any suspicious activity alert or notice from Bank of America. I suspect the new replacement card was stolen when it was being mailed to me. 

I immediately called Bank of America to explain my situation and file a claim and dispute all these transactions. A week later, I received a notice saying my claim was denied. I called their Fraud Claim department again, and asked why it was denied and had to explain my situation again. They said they made a mistake and did not note that the card was stolen and said that they were going to re-open the claim for further research. 

Across the months of XXXX through XXXX, I had called them approximately 12 times regarding this claim, explained my situation again and again and to have it reopened. Every time I call, I keep getting re-assured by their Fraud Department that they clearly understand my situation and will make sure to relay it to the claim reviewers. I just received another notice saying the claim was denied once again, because the transaction was chip use. They completely ignored the fact that it was stolen. 

I received a billed statement ( $ XXXX ) for all these charges and the due date is coming up. I do not want my credit history to by impacted by any late fees for these ridiculous charges. 

I am extremely frustrated and am trying every approach to get this resolved as soon as possible. I am at my wits end and desperately in need of assistance. Please help. 

Thank you.
Consumer complaint received 2021-10-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PR)

XX/XX/XXXX Principal {$13000.00} XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XXXX principal {$13000.00} As I see is the same making or not making payments.. Should I stop making payments?
Consumer complaint received 2022-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax, XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : account name : XXXX XXXX  account number XXXXXXXX  Account name : XXXX XXXX  account number : XXXX Account name : XXXX Account number : XXXX