davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-28
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. (MD)

Equifax, this is my last warning about the XXXX account on my credit report. I have recently submitted a dispute concerning that account because they have reported a miss payment for XX/XX/XXXX with a past due amount of {$230.00}. It was the only miss payment on my payment history for the past 5 years that I have had that car loan. I have uploaded the payment receipt as proof of payment thinking that it will be resolved but it became worse than what it was. They added 3 more miss payments to my account. I dont know who does that, who is in charge of updating customers report from XXXX . This person probably had a bad day and put his/her frustration on other people but they are messing with the wrong person. Until 2 weeks ago this account was current for the past 5 years with XXXX ( XXXX ) miss payment and suddenly it was late in XXXX!?? They even said that it was late in XX/XX/XXXX while I have paid and have my receipt. Equifax DO NOT PLAY THEIR GAME! XXXX is probably upset because I wrote a review on XXXX XXXX XXXX about them. I repeat DO NOT PLAY THEIR GAME! I hope this letter goes to a human being and not to a computer. At this point I dont even wan na talk to XXXX anymore since I filed a lawsuit in federal court against them yesterday. They wan na play? okay we will see if they will love it. I have proof of everything I say. I repeat, Equifax, update my credit report as it was before that mess otherwise I will also file a lawsuit against you for voluntarily keeping inaccurate information on my credit report. I have already uploaded the proof on my previous dispute. Consider this letter as my last and final warning!! As you can see, I am not scared of taking that XXXX to court. My lawyer is confident about the case and I am too ; I have proof of everything I say. Again update my credit history to how it was before XX/XX/XXXX and correct the XXXX miss payment otherwise I will also file a lawsuit against you. I am not scared of anything nor anybody on this earth and the universe except GOD and HE is by my side!
Consumer complaint received 2022-12-03
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. (GA)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (MS)

Lived at the XXXX of XXXX XXXX. I moved due the company failure to correct the mold in the apartment and Smoking neighbor in a non-smoking building. Explained that I had upper respiratory problems that can become a matter of life or death. Reported XX/XX/XXXX, air conditioner was replacing not the carpet. The smoking was never address. I informed XXXX of problem and gave a notice on XX/XX/XXXX that I was moving. Received a letter and calls from Pro-Collect of XXXX. Spoke with XXXX and Mangement company about the problem with pictures and letter from physician. The company never contacted me after receiving information and letter from my lawyer. 
Procollect did not remove it from my credit report. I have not heard from them since XX/XX/XXXX. Requested it be removed from my credit report. They appeared to try and hijack me for money I do not owe,
Consumer complaint received 2023-01-15
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. (IL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, XXXX  XXXX Account # : XXXX, XXXX Account # : XXXX, XXXX XXXX XXXX Account # : XXXX, Account # : XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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
Consumer complaint received 2023-03-27
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX XXXX Balance {$530.00} DEPT OF EDUCATIONXXXX XXXX Balance {$8700.00} DEPT OF EDUCATIONXXXX XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX Balance {$150.00}
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-09-08
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (OH)

Hello, Please reference CFPB # XXXX. It has been over 30 days for this investigation and there is still no supporting documents for this BK. Per the Fair Act this public record needs to removed or XXXX, Equifax and XXXX are in the violation. 

I have all of the documents and certified mail I sent over to XXXX, Equifax and XXXX I'm sending a copy of all the mail to XXXX XXXX XXXX, which I will higher to address this concerns as he is the attorney that sued for millions of dollars. I'm sure he this case for sure. 


Public Record : US BKPT CT OH XXXX
Consumer complaint received 2023-07-06
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)

In accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-12-03
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: EQUIFAX, INC. (GA)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-05-12
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. (NJ)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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. (PA)

I am writing to file a formal complaint against Equifax for their failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically regarding my identity theft dispute. 

Over 20 days ago, I submitted an identity theft dispute to all three credit reporting agencies. According to the FCRA, they are required to investigate within four days and either block the fraudulent information or provide a written denial with an explanation of why the block was not granted. 

To date, this company has nit responded to my dispute, violating their legal obligations under the FCRA. This delay in action has caused me significant harm, as fraudulent accounts continue to appear on my credit report, negatively affecting my credit standing. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that XXXX, XXXX, and Equifax comply with federal law, and that they immediately address and resolve my identity theft dispute. 

I appreciate your attention to this issue and look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-02-24
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. (FL)

XXXX XXXX XXXX {$760.00} Opened XX/XX/2022 XXXX XXXX XXXX I Amount XXXX Opened XX/XX/2022 These accounts were not opened by me
Consumer complaint received 2022-12-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA (GA)

On XX/XX/2022, I received an email from MOHELA telling me to expect to receive a welcome letter by mail within XXXX business days. To the best of my knowledge, I still have not received this letter as of XX/XX/2022. As noted in the email, I attempted to contact Mohela by calling them during their Saturday business hours at approx. XXXX ET ( or XXXX CT ) on XX/XX/2022 to discuss not receiving the welcome letter. Unfortunately, upon making it through the many announcements and menus, the system automatically disconnected and I was unable to speak to a representative and still do not have information regarding my welcome letter.
Consumer complaint received 2024-12-13
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: WELLS FARGO & COMPANY (AZ)

I attempted to withdraw funds from an ATM. Cash was not dispensed do I reported the error. The bank has rejected my complaint stating that the ATM in question had balanced and they claim the cash was dispensed but they will not provide me with the proof. 

I have witnesses who can verify of the ATM malfunction.
Consumer complaint received 2024-09-17
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Dear [ XXXX ], I am writing to request that you remove the bankruptcy reporting from my credit report and to inform you that I have discovered several unauthorized collections on my report that need to be resolved immediately. 

Firstly, my bankruptcy filing was a result of circumstances beyond my control, and since then I have made every effort to become current on all my debt obligations, including yours. I am confident that you will agree that it is in both our interests for the bankruptcy to be removed from my credit report. 

Secondly, it has come to my attention that there are several collections on my credit report that I do not recognize, and that I did not authorize. I have the right to dispute any unauthorized collections, and I would like to use that right in this instance. As such, if you do not remove these collections within ten ( 10 ) days of receiving this letter, I will report each one to the Federal Trade Commission ( FTC ) and pursue legal action, which could result in a {$1000.00} fine per unauthorized collection item, as per the Fair Credit Reporting Act. 

I appreciate your prompt attention to these matters and look forward to resolving these issues. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-07-06
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

A notice was sent to Nissan Motor Acceptance Company LLC, requesting to validate the debt for Acct # XXXX. I received notice on XX/XX/2023, from Nissan Motor Acceptance Company LLC stating that my debt had been sold to XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, PA XXXX. 


Section 604 of the Fair Credit Reporting Act ( FCRA ) states that a creditor can not sell your credit information to a third party without your permission. This includes your credit report, your payment history, and any other information that the creditor has about you. 

I never gave Nissan Motor Acceptance Company LLC to sell my credit information. This is a violation of the FCRA. 

As a result of the violation, I am requesting Nissan Motor Acceptance LLC, to stop reporting negatively on my credit report. 

As a result of the violation, I am requesting Nissan Motor Acceptance LLC to remove itself from my credit report and to notify all ( 3 ) Credit Bureaus Despite, the debt collection being listed as a charge-off and sold to a third party without my permission or knowledge. Nissan Motor Acceptance Company has continued to report late payments to the ( 3 ) Credit Bureaus. 

This is another violation of the Section 604 ( a ) of the FCRA. Once a debt has been sold to a third party, the original creditor can no longer report late payments to the credit bureaus.
Consumer complaint received 2023-09-15
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: Experian Information Solutions Inc. (FL)

I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-06
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)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXX ( Original XXXX ) Account number : XXXX - IDENTITY THEFT XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX  XXXX Account number : XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

Dear XXXX XXXX, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$500.00} written off. 

Status updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

Sincerely,