davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2024-03-26
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)

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( s ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! 

Your agency is in violation! 
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. 
Delete this at once! 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Consumer complaint received 2024-03-26
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 LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2023-01-24
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-03-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.
Consumer complaint received 2022-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MS)

I opened a XXXX account in XXXX and in XX/XX/XXXX the company changed lender. This change by the company led to a new account being added to my credit reports ( old account closed ). this change has had a negative impact on my credit as it appears I opened a new account which did not. This is my same XXXX account but the lender changed. I nor any other customer should be negatively impacted due to a company change. The algorithm with the agencies need to be changed so changes of the nature do not hurt the consumers.
Consumer complaint received 2024-03-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you 30 days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

Your agency is in violation! 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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. 
Delete this at once! 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CA)

XXXX XXXX XXXX XXXXnquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Auto Financing XXXX XXXX XXXX  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 + XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + Auto XXXX XXXXXXXX OF XXXX LA XXXX : XXXX. XXXX, XXXX + Automobile Dealers, New XXXX XXXX XXXX  : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Personal Loans Cos. 
XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Auto Financing These inquiries were not authorized by me and would like them removed immediately
Consumer complaint received 2023-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credence Resource Management, LLC (NC)

The report contains inaccurate information and company failed to provide the information I requested. XXXX experienced a major data breach which means everything on my consumer credit report was breached. Please remove these items from my XXXX report due to inconsistent and inaccurate reporting.
Consumer complaint received 2024-03-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : NFCU UNETHICAL PRACTICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am reaching out to seek assistance in resolving an ongoing issue with my financial institution, Navy Federal Credit Union ( NFCU ), regarding unethical practices and recurring problems. 

This specific letter pertains to another complaint related to the issues recurring on XX/XX/24. Previous complaints regarding similar issues were submitted on XX/XX/24, with complaint IDs : ( CFPB ) XXXX, ( CFPB ) XXXX. 

Customer was charged an Overdraft Fee for a transaction that was not pending at the end of the day ( EOD ) around XXXX XXXX XXXX  as shown in the screenshot ). Later that evening ( around XXXX XXXX XXXX see attached ), NFCU added the transaction as posted without ever reflecting pending status at all. Additionally, at that time, NFCU added an Overdraft Fee with complete disregard to the Customer bringing Account Balance Positive before EOD ( Available Balance was {$2.00} around XXXX XXXX ; see attached ). 

NFCU still has yet to resolve the previous complaints for issues on XX/XX/24, and the Customer is still demanding a refund for the fees charged during that timeframe. 

Additionally, Customer is demanding NFCU reverse and apply an adjustment credit for ALL FEES charged across ALL ACCOUNTS as a courtesy for the unethical practices and disrespecting a loyal customer who has now been with NFCU for 1 year as of this month. 

Despite my efforts to address these concerns directly with NFCU, they have not provided a satisfactory resolution. Therefore, I am seeking your intervention to ensure that NFCU complies with these demands and rectifies the situation appropriately. 

Please find documentation supporting my claims, including correspondence with NFCU and evidence of the inaccurate balance reporting. 

Thank you for your attention to this matter. 

Sincerely,
Consumer complaint received 2024-03-26
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I haven't given Capital One any access to any of my personal information or any signature, or the date of XX/XX/2022, I would like, for this to be removed from my credit report.
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CT)

On XX/XX/XXXX, I received an email from the US Department of Education indicating that my student loans are eligible for forgiveness and that the Department of Ed would be reaching out to Mohela to process this within the coming months. On XX/XX/XXXX at XXXX XXXX, I reached out to Mohela to advise of this and to request that my payments be suspended until the forgiveness is processed. I was told I would be placed on an administrative forbearance until XXXX to allow time for forgiveness to be processed. Further, I was assured that NO payments of any amount would be due during this forbearance. Despite this, on XX/XX/XXXX I received an email from Mohela advising that my account is past due. I have attempted to call back to Mohela to speak with a manager but " due to high call volume '' none are availabile. When I told the agent I was willing to wait for a manager to be available, I was placed on a perpetual hold. After holding for an hour and a half, I was forced to disconnect the call as I needed to get back to work.
Consumer complaint received 2024-03-26
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)

I asked these credit reporting agencies to stop invading my Privacy via the Privacy Act of 1974 and they have refused to comply. XXXX, Equifax and XXXX are all reporting negative items on my report further committing Defamation and Emotional distress to my life and credit report. 

These are charged off items which are now income as the bank has already completed their 1099 processes and are continuing to report this on my account. This is illegal to even report and they are continuing to violate the law.

I am a federally protected consumer. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to opt out of the sale or disclosure of my personal information pursuant to 15 U.S.C. 6802 ( a ) ( 1 ) ( B ).
Consumer complaint received 2023-12-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (VA)

My employer directed several XXXX dollars towards my XXXX loans held by MOHELA as a retention incentive. My employer intended this sum to be disbursed evenly across my upcoming monthly payments as pay ahead, but MOHELA erroneously applied the amount in bulk to the principle. I have called MOHELA approximately 8 times since XX/XX/2023 attempting to get this problem resolved. Each time, I spend between XXXX and XXXX hours on hold and when I eventually reach customer service, I am assured the issue will be resolved within 3 to 5 business days. It has been 2 months and the problem is not resolved. In the meantime, MOHELA continues to attempt to charge me monthly payments I do not owe, and will report my delinquency to credit agencies within 90 days. I have no further recourse on resolving this issue, as I have been making good faith attempts with customer service for 2 months now, and I can not afford to make payments I do not owe or have my credit score impacted negatively.
Consumer complaint received 2024-03-25
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. (VA)

I am writing to bring to your attention an issue that I have been experiencing with Equifax, XXXX, and XXXX. D

espite filing a complaint with the Federal Trade Commission ( FTC ) regarding fraudulent activity on my credit report, these credit agencies have refused to delete and block the fraudulent activity from my report. I have worked diligently to protect my credit report by reporting the fraud to the appropriate authorities and filing a complaint with the FTC. However, I have been
met with resistance from Equifax, XXXX, and XXXX when it comes to removing the fraudulent activity from my credit report. I have provided them with ample evidence of the fraud, including police reports and other documentation, but they have not taken any action to delete or block the fraudulent information. 

This situation has caused a great deal of stress and XXXX  for me. The fraudulent activity on my credit report has impacted my ability to secure loans, credit, and even employment. It is my understanding that these credit agencies have a responsibility to accurately report credit information, and this includes removing fraudulent activity from credit reports.

I request that you investigate this matter and take the appropriate steps to ensure that Equifax, XXXX, and XXXX are held accountable for their actions. I would like for them to delete and block the fraudulent activity on my credit report, along with any negative marks that may have been associated with it. Additionally, I would like for them to provide me with a written explanation of their actions regarding my credit report.

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.
Consumer complaint received 2023-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC. (MI)

On XX/XX/, I mailed a letter to validate a collection that is being reported to the credit bureaus. The account was opened with AFNI on XX/XX/, showing a balance of {$500.00}. AFNI failed to respond to my validation letter. The uploaded attachment is the letter that was mailed.
Consumer complaint received 2024-01-24
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 have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ).

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2023-01-24
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. (FL)

In accordance with the Fair Credit Reporting Act 15USC 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX  Account number XXXX ... XXXX XXXX  Account number XXXX .... 
XXXX  XXXX  XXXX  Account number XXXX ... .XXXX  XXXX XXXX  Account number XXXX has violated my rights. 15USC 1681 section 602 A States I have the right to privacy. 15U>S>C 1681 section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt known to be inconvenient Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.
Consumer complaint received 2024-03-25
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.