davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-20
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (CA)

COMPLAIN It was XXXX of XX/XX/XXXX I tried making a withdrawal and was referred to the fraud department so I couldn't make the withdrawal that very cos the told my account was hold so after that day on the XXXX XX/XX/XXXX I received an email stating that my account with Citibank has been closed and the remaining balance of {$35000.00} will be mailed to my address in 30/60 days time so I waited for 32 days still didn't hear a word from Citibank so I called the executive of the Citibank after the conversation with them on the XXXX of XX/XX/XXXX I received an email telling me I should wait for 15 calendar to get the issues resolved I waited for the 15 calendar days and on the completion of the 15 calendar days which was on XXXX XX/XX/XXXX got a email from Citibank executive asking me to wait for 30/60 days to get the issues resolved so I had to send them an email on the XXXX XX/XX/XXXX letting them I'm 51 DAYS gone from the first 30/60 I was told earlier to wait on, now asking them if I had to wait for another 30/60 days again to get before I they can get the issues resolved and mail me a check of my remaining balance of $ XXXX that is my before the closed it and on the XXXX XX/XX/XXXX I received an email from Citibank executive demanding I should wait for another 30/60 days before they could reply to the question I asked them via email on the XXXX ..... So I noticed they are just to buy more time just to keep my money with them cos they aren't giving me any positive response as regards to my questions.
Consumer complaint received 2018-03-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (CO)

original loan amount = {$53000.00} payments made to date = {$38000.00} current balance as of today = {$61000.00} They keep increasing my interest rate, so I'm hardly paying any principal. Some of my loans have an interest rate of over 10 %. I'm never notified of these increases either. Not to mention I've never once received any information on the current payment plan I'm on. I was told I had fixed payments, but they increase my interest as an excuse to keep raising my payments while I have it set on auto-pay. 

Currently my loan payoff date is scheduled for XXXX and XXXX. 

Never expected that getting a degree was the worst mistake I've ever made in my entire life, and Ill be regretting it until the day I day, which will probably happen while I'm at work struggling to pay off my student loans.
Consumer complaint received 2023-05-24
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. (MS)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX  XXXX ) Balance : {$2000.00} ; XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-03-27
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. (NC)

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Consumer complaint received 2023-06-20
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. (MI)

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 Account Number:XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX has violated my rights . Or list of inquiries 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 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

I leased a vehicle in Oklahoma from a XXXX dealership. After a period of time we moved to XXXX area. The vehicle is a 2020 XXXX XXXX ( electric vehicle ). In XXXX a recall was place for all years of the bolt due to XXXX short in the battery system causing the vehicle to catch fire. Their resolution was essentially turning the vehicle into a paperweight only to be driven in town and left outside. At the time I was in a corporate apartment and was told I couldn't keep the vehicle inside so I had to return it to the dealership. I processed all the paperwork correctly in a timely manner. Here we are in XXXX and its still not resolved due to their incompetence. I have bent over backwards accommodating them and now my credit has been hit and they are telling me that if I don't pay them they will repo the vehicle and turn me over to repossession even though they vehicle is in their possession. I'm am at my whits end and my credit is suffering for a vehicle that I can not drive. I have since purchased another vehicle and can/should not be responsible for a manufacture defected vehicle.
Consumer complaint received 2023-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

From : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX SSN : XXXX XXXX XXXX : XX/XX/XXXX To : Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Dear Equifax, The account listed as " XXXX '' with Account number : XXXX, Account status is misleading : showing different per bureau. I have attached a full 3 bureau report with inaccurate reporting. XXXX and XXXX do not show this account. 

Can you delete this from my EQUIFAX consumer report ASAP and send me and update. 
I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 
Thanks.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Dovenmuehle Mortgage, Inc. (FL)

This XXXX Veteran, me, was not late with any mortgage payments prior to entering XXXX XXXX XXXX Forbearance program and prior to my loan being transferred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX insist on reporting negative information even though I have provided proof. Too XXXX XXXX XXXX XXXX persist on reporting the Department XXXXf Veterans Affairs approved and guaranteed partial claim promissory note balance of {$19000.00} is past due, which is against the forbearance policies and the Fair Credit Reporting Act of unfair, wrongful credit reporting. Over one and half years and XXXX XXXX XXXX XXXX will not follow the laws and rules. 

It is obvious to me that XXXX XXXX XXXX XXXX does not care to follow the forbearance rules and blatantly does not support XXXX Veterans trying to stay in their homes as well as improve their lot in life. Also, XXXX XXXX XXXX XXXX has proven that it plans to continue to unfairly prevent me from refinancing my loan with another mortgage company. XXXX XXXX XXXX XXXX  is not fair to Veterans and it is not a Veteran-friendly mortgage servicer. 

My date of last activity for mortgage payments was paid to XXXX XXXX XXXX on XXXX XX/XX/2020. Please see the attached XXXX XXXX XXXX payments ACH tracking information extracted from my bank account transactions. I made all my payments on time per the mortgage contract. 

Moreover, XXXX and XXXX XXXX XXXX forbearance policies informs that there will not be any negative reporting. XXXX XXXX XXXX XXXX is also in direct violation of our federal governments forbearance policies. XXXX XXXX XXXX XXXX unfairly, erroneously and wrongfully report negative mortgage payments history for this Veteran to the credit bureaus. 


From XXXX : Please remove the following statements from my XXXX Credit Report : Please remove NOT MORE THAN XXXX PAYMENT PAST DUE Please remove Date of First Delinquency XX/XX/2020. 

Please remove XXXX XXXX XXXX : {$19000.00}. 

Please remove 60 Days Past Due From XXXX : Please remove the following statements from my XXXX Credit Report : Please remove " Payment Status : 90 Days Past Due. '' Please remove Past due amount : {$19000.00}.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (CA)

I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX. Please correct and update.
Consumer complaint received 2023-05-24
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. (NY)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$4600.00}
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I was diagnosed with XXXX and XXXX during the pandemic, and my condition made it difficult to manage my finances. Recently, I found high balances reporting on my credit report from my credit cards. However, all of my credit cards are charged off, and I am unable to dispute anything with the credit card companies. I feel stuck and hopeless due to the debt under my name, which has led me to feel anxious and XXXX. I have read online that I can try to dispute with the credit reporting agencies to remove the negative items from my credit reports. I have found the right medication to treat my condition, and I am now hopeful that I can finally put this chapter of my life behind me. I am reaching out to the credit reporting agencies for assistance so that I can find relief and peace of mind. 
please see the attachment
Consumer complaint received 2023-01-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These items must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved 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 XXXXXX/XX/2021
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to express my deep frustration and dissatisfaction regarding the handling of fraudulent items on my credit report despite numerous attempts to follow up and resolve the issue. 

I have tirelessly pursued the removal of fraudulent items from my credit report, submitting multiple disputes to your agency and providing extensive evidence to support my claims of XXXX and identity theft. Despite my persistent efforts and numerous follow-ups, these fraudulent items persist on my credit report, posing a significant threat to my financial well-being and reputation. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these fraudulent items. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-27
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. (IL)

I am writing to express my profound frustration and disappointment regarding the ongoing issue of late open accounts on my credit report. Despite my persistent efforts and many attempts to rectify the situation, these inaccuracies persist, prompting this fifteenth follow-up. 

I have diligently submitted disputes to your agency concerning the inaccurately reported late open accounts. Each time, I have provided extensive documentation and evidence supporting my claims of inaccuracies. However, despite my unwavering persistence and continued submission of evidence, these late open accounts persist on my credit report, damaging my creditworthiness and financial standing. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation into these late open accounts. It is crucial to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-27
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 XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (CA)

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission. 
XXXX XXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX Balance : {$1900.00}
Consumer complaint received 2023-05-24
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: EQUIFAX, INC. (MO)

I am submititng this CFPB Complaint to formally request an investigation and correction of the following accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. I need the following accounts investigated and removed from my Credeit File as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX Bankruptcy Reference # XXXX. I request that you verify the aforementioned accounts. If the information can not be substantiated as 100 % accurate, I respectfully request that you remove them from my credit report immediately. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Consumer complaint received 2023-05-08
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: Experian Information Solutions Inc. (DC)

I am writing to request that the negative items listed below be removed from my credit report immediately. The negative items are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX. 

As you may be aware, the Consumer Financial Protection Bureau ( CFPB ) recently suffered a major data breach, which has put consumers ' sensitive financial information at risk. Due to this breach, I have reason to believe that the negative items on my credit report may not be accurate, and I request that they be removed as soon as possible.

I also want to bring to your attention that the continued reporting of these negative items may be in violation of US Code 1681 I, which requires that credit reporting agencies only report information that is accurate and verifiable. Given the potential inaccuracies caused by the CFPB breach, I believe that it is appropriate to remove these negative items from my credit report.

I hope that you will take prompt action to investigate these negative items and remove them from my credit report since they are found to be inaccurate. Please inform me of your findings and any actions taken to correct my credit report. 

Thank you for your attention to this matter.
Consumer complaint received 2024-03-27
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. (MA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as 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