davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I have noticed that you have not deleted these hard inquiries from my Experian credit report dated XX/XX/XXXX. Based on the evidence in my possession, I am, requesting that Experian removes the mentioned hard inquiry from my credit report upon receipt of this complaint to avoid further damages to my credit report. I have attached to this complaint authorization letter from XXXX XXXX XXXX. giving permission to Experian to delete these hard inquires. I have recently mailed this correspondence to Experian dated XX/XX/XXXX and I have not yet received the results of deletion from my credit report.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Per The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

This is against of my rights as a federally protected consumer ; to be reported on my credit report : U S DEPT OF XXXX, XXXX XXXX in the amounts of : Amount Account Number {$3200.00} XXXX {$2000.00} XXXX {$3800.00} XXXX {$4300.00} XXXX {$5300.00} XXXX {$5400.00} XXXX {$2000.00} XXXX {$2000.00} XXXX {$4200.00} XXXX {$3200.00} XXXX {$3800.00} XXXX Per the FCRA as a federally protected consumer. I am now opting out any and all authorzian. I the consumer may have given you ; written, unwritten, verbal and nonverbal per 15 u.s.c 6802.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2023-05-18
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: Experian Information Solutions Inc. (TX)

i have been disputing XXXX, XXXX, AND EXPERIAN about these inaccurate and incomplete items they are reporting on my credit report and have not deleted nor sent me documents verifying the validity of the alleged debt. I have usps certified mail tracking numbers for all letters with no response. please see the attachment below
Consumer complaint received 2017-11-07
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. (IA)

I called Trans union on XX/X/2017 due to the 2 separate glitches they had removing credit inquiries from my credit report and the credit inquiries appearing again after the glitches were recognized. I was not notified of the reappearance and spoke with XXXX at XXXX and XXXX from Pennsylvania at XXXX on XX/XX/2017
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. 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.
Consumer complaint received 2024-03-19
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 have requested to have XXXX  XXXX XXXX XXXX and XXXX XXXX removed from my reports. They do not belong to me. 


I also have tried without success to remove all unauthorized inquires from my reports. 

XXXX XXXX XXXX XXXX The other names and social security numbers on my reports do not belong to me and wish to have them removed as well
Consumer complaint received 2023-05-19
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: EQUIFAX, INC. (NC)

This is my Follow-up 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 : XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, EXXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$780.00}, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3300.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}, 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 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

In XXXX 2019 we entered into a legally binding agreement with XXXX to begin a Trial Period plan which was required before completing formal loan modification. XXXX provided us with very specific instructions to make three trial payments on specific dates. We were advised we were not to deviate from the plan or the loan modification would be denied. 

The trial period began on XX/XX/2019 where we paid {$4100.00}, with subsequent payments of the same amount on XX/XX/XXXX and XX/XX/XXXX for a total paid of {$12000.00}. We followed their directions exactly as outlined to us and completed the Loan Modification in XXXX  2019. 

After applying for a new mortgage recently we were denied because XXXX reported that we were 120 days late for five consecutive months ( XXXX XX/XX/2019 ). We feel that this is a violation of the Fair Credit Reporting act as we were under a formal agreement with XXXX during those months and were following detailed instructions which included making trial payments. In addition XXXX reported different information to XXXX  than they did to XXXX & TransUnion. They reported that payments were made to XXXX  for XXXX & XX/XX/2019 and reported NR or no report to XXXX  and Transunion. 

I have attached a copy of the trial payment agreement as well as a copy of a court case ruling. 

After doing research on our situation it became clear that many others had the same scenario happen to them. I foun

d one case where a judge with the US Court of Appeals ruled in favor of the borrower that the lender violated the Fair Credit Reporting Act. The 6th Circ
uit rejected the servicers argument that the Home Affordable Modification Program guidelines encouraged, but did not require that they report a TPP. The court acknowledged this distinction but noted that [ r ] eporting that [ a borrower ] was delinquent on his loan payments without reporting the TPP implies a much greater degree of financial irresponsibility than was present here. 

https : XXXX
Consumer complaint received 2023-03-10
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. (NY)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon

as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 MORTGAGE SERVI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SER XXXX XXXX XXXX
Consumer complaint received 2017-11-07
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: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have written to the company on XXXX XXXX, 2017 requesting documentation supporting their permissible purpose in accessing my credit files with all three Credit Reporting Agencies. Their response was simply a verification that they had accessed my files, but no supporting documentation was sent. Lacking permissible purpose, these inquiries should be removed.
Consumer complaint received 2020-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Capital One stated XXXX reported my account as fraud. They closed my account and I do not have access to my account online. They waited two months to send me a paper stating my bill is 2 payments behind. They are reporting that they aren't opening the account back up due to fraud, if it's a fraud account I shouldn't be responsible for the account and it shouldn't be hurting my credit by 20 points with them reporting it past due. They waited two months to send me anything about my account being past due. The letter was issued on XXXX XXXX and this issue has been ongoing since XXXX. I sent in the paperwork to show my identity. Capital One is telling me that they can't reopen the account once it's closed as a fraudlent account. I want the late payments removed from my credit reports. I don't want another account with Capital One after all of this. This is the most pitful experience I have dealt with with any company. They reported this was reported by XXXX and it's not showing on my report with them. My account ends with XXXX
Consumer complaint received 2024-03-19
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. (VA)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$27000.00} DEPT OF EDXXXX XXXX Balance : {$4600.00}
Consumer complaint received 2023-01-07
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: Experian Information Solutions Inc. (GA)

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX : {$400.00} XXXX XXXX XXXX : {$490.00}
Consumer complaint received 2022-11-15
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I DID NOT AUTHORIZE THIS AND DO NOT HAVE CONTRACT WITH WITH THE COMPANY LISTED BEOW. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION THAT I ASK FOR. 

CAPITAL ONE AUTO FINANCE Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX TX, XXXX CAPITAL ONE AUTO FINANCE Inquired on XX/XX/2022 XXXX XXXX XXXX XXXX TX, XXXX DELETE/REMOVE FROM MY CREDIT REPORT
Consumer complaint received 2017-11-07
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION (OH)

My husband and I are victims of and had our rights violated after my husband ( who at the time was an XXXX XXXX service member ) received a XXXX $ auto loan from Navy Federal Credit Union ( which was his bank during his military service ) who then started harassing us a year after receiving the loan because we fell a month or two behind on payments. Navy Federal Credit Union began making false threats about debt collection against us, and made multiple threats to us stating " pay or be sued! '' Navy Federal wrongfully froze us out from our account all because we had a delinquent loan. Navy Federal Credit Union ruined our credit as they reported it to go on our credit reports and also added on a large amount of fraudulent fees to the delinquent loan which made our credit report appear very poor and it caused years of living of denial due to our negative credit rating thanks to XXXX XXXX. The overwhelming harassment and threats started in XXXX up until XXXX. We have our credit reports to prove this as well as a few other documents to prove we were violated by Navy Federal Credit Union. We believe we are owed money and were never properly notified due to recent moves and believe we are entitled to the settlement XXXX XXXX was ordered to pay out to customers violated. Please contact XXXX or XXXX XXXX at XXXX or by email at XXXXXXXXXXXX. our address is XXXX XXXXXXXX XXXX, XXXX Ohio XXXX.
Consumer complaint received 2023-03-10
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. (HI)

Under the FCRA, the burden of proof lies on, XXXX Equifax you are the one allowing fraudulent information to report on my credit report. Im entitled by the Fair Credit Reporting Act ( FCRA ) to request the credit bureaus to substantiate it, and if found to be an error, remove it. The Federal Trade Commission ( FTC ) allows consumers to access the FCRA to learn more about their rights when it comes to their credit report. Payments reported late when they were not late. 15 USC 1681b Permissible Purpose Thank you for following the ethical standards set by the FCRA and removing these late payments. I call, XXXX, Equifax and someone was cursing and swearing at me. Laughing in the background.Here the Steps 1. Sent numerous Disputes letters stating that this information False and inaccurate to no available the credit bureau XXXX, Equifax each time came back verified .Ask for Methods of Verification- burden of proof And the name of the Person that provided the verification and they ignored each request they Start sending stall tactics letters., XXXX, Equifax are trying to stall me hoping that I will stop. 2.Filed a complaint CFPB complaint -came back verified no action taken by you guys. 3 .Filed a complaint with my State attorney General office. 4.Contacted the original collection agent to verify what they had in theirs files and that investigation was NEVER done. 5.Email, Equifax, XXXX CEOs as last resort before I Sue them all.
Consumer complaint received 2024-03-19
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)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct :
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

While looking over my credit reports, I see some accounts that have marked me as late on my payments. I would like to thank the consumer reporting agencies for playing a very important role and I know they have the ability to report consumer information as accurately as passible. In my case this information is not accurately reported. 

Can you do an investigation and show me with proof of statements where and when were these payments late. If this can not be proven with statements, please updated to on time as they should be because I was never late I have also attached a screenshot of the dates of showing my payments being 30 da

ys and 60days late. The 15 U.S Code 1681 states that consumer reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of the infor
mation concerning the individual about whom the report relates. In this case this violates my rights because inaccurate information is being reported by a consumer reporting agency. The accounts are listed below XXXXXXXX XXXX XXXX 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 2024-03-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2022-11-07
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. (FL)

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 # LP XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account XXXX XXXX XXXX XXXX/ Account # XXXX Account name : FXXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX/ Account # XXXX Account name : XXXX XXXX XXXXXXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : US DEPT OF EDUCATIONXXXX Account XXXX XXXX Account name : XXXX/ Account # XXXX Account XXXX : US DEPARTMENT OF EDU XXXX Account # XXXX Account name XXXX US DEPARTMENT OF EDU XXXX Account # XXXX Account XXXX : US DEPARTMENT OF EDU XXXX/ Account # XXXX Account name XXXX US DEPARTMENT OF EDU  XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account # XXXX Account name : US DEPARTMENT OF EDU XXXX Account XXXX XXXX Account name XXXX XXXX XXXX # XXXX Account XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX Account XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account # XXXX Acount name : XXXX XXXX XXXX Account # XXXX Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX Account XXXX XXXX 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 XXXX XXXX/ Account # XXXX has violated my rights. 

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 : 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-11-07
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. (VA)

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.