davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-05-04
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)

on. for 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 XXXX  XXXX {$6700.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$6600.00} Date Opened : XX/XX/XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX I XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX : {$2000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$6100.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$200.00} Date Opened : XX/XX/XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Balance : {$560.00} Date XXXX : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX ) Balance : {$1100.00} Date Opened : XX/XX/XXXXXXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX 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. 

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Consumer complaint received 2022-04-12
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)

Violation of my Rights. 

The rights that were violated are listed below : 15 u.s.c 1681 section 602 A. states I have a right to privacy 15 u.s.c 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code Subchapter V Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information, not communicate by post card, not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.
Consumer complaint received 2022-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

The reason I document this issue is that there have been numerous attempts to correct this issue regarding the Public Service Loan Forgiveness Program and the company continues to cause issues regarding the proper tracking of the qualifying number of payments I have made in PSLF. I have recently been notified that the loan servicer would be changing hands in the coming months, so I have been submitting the proper paperwork to ensure that everything is in order. In one instance, I was told that the wrong person had certified the paperwork at XXXX XXXX of XXXX XXXX and they were rejecting the paperwork from XXXX XXXX. The County of XXXX XXXX is a large agency in the XXXX XXXX where thousands of people work. I can not control who signs the paperwork that is given to the main XXXX XXXX Department to send out for signature by who they deem is the proper person. I was also notified that I needed to submit new paperwork if I wanted a previous period that was unaccounted for to be considered as an additional period of employment due to recent changes in the legislation. The deadline to submit the paperwork under the TEPSLF program is XX/XX/XXXX. I re-submitted paperwork for the period of XX/XX/XXXX to XX/XX/XXXX, to show that I worked for the City of XXXX XXXX for one year, instead of the 6 month period that I was previously given credit for in past years. I would like for all of my periods of public service work to be accounted for and an update to be sent to me please on the total number of payments I have made toward the goal of 120 payments or 10 years.
Consumer complaint received 2022-08-10
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. (MD)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. Regarding alleged account # XXXX 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 an account without my written instructions. 15 U.S.C. 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. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.
Consumer complaint received 2022-06-29
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. (MD)

In Accordance with the Fair Credit Reporting Act XXXX  Account- XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX  XXXX account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX account # XXXX XXXX Dept of Education/XXXX  account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 604 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 2022-08-10
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. (TX)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX EMPLOYER : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX  Collections : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX EMPLOYER : XXXX XXXX  XXXX Equifax Collections : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX EMPLOYER : XXXX XXXX XXXX
Consumer complaint received 2021-07-28
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BILL.COM, LLC (FL)

Just this month, Bill.com, a platform that processes accounts payable items, started sending misleading marketing emails to our vendors suggesting, incorrectly, that the vendors needed to create a Bill.com account in order to be paid. Not only is this incorrect, these communications violate Bill.com 's Terms of Service and Privacy Notice. Bill.com collects a " Payment Notice Email, '' and the Bill.com user interface claims that they will contact the vendor with a notice that payment is on the way. The offending emails that they send, however, incorrectly suggest that the vendor needs to " Choose where to receive '' the payment, and the email then provides a link for the vendor to create a Bill.com account. Although the email states in smaller text that the vendor will be paid regardless, this has caused confusion for several of our vendors. 

It took a week of me contacting Bill.com through their customer service portal to finally speak to a customer service representative about this. Even then, she could offer no way to opt out of these communications, nor could she point to a provision of the Terms of Service or Privacy Notice that allow this type of communication.
Consumer complaint received 2021-07-30
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: CORELOGIC INC (MI)

There several inquiries on my credit report that shouldnt be there. On inquiries on XXXX, Credco- XXXX XXXX, XXXX XXXX XXXX XXXX- XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XX/XX/2021, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX, Credco XXXX XXXX, XXXX  XXXX 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 2021-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I reviewed a copy of my credit file and found the following items reporting as a result of identity theft : XXXX XXXX XXXX - Bal : {$96.00} .. showing charged off XXXX - Bal : {$3500.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Bal : {$650.00} XXXX XXXX - XXXX XXXX Bal : {$790.00} Credit Coll XXXX XXXX  XXXX Bal : {$450.00} Please remove unauthorized 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2022-03-22
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)

I am disputing this account according to the FCRA for reporting incorrectly. I have asked them to provide me with the original instrument of indebtedness in its original form. There is no original contract or no original Ink signature. I am requesting the reporting agencies to correct this account to report paid as agreed with no late payments and/or remove it. I've sent the original dispute 6 months ago with no response. Yesterday XX/XX/22 I sent a certified letter as proof they are getting the mail and request.
Consumer complaint received 2018-10-22
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PNC Bank N.A. (GA)

I wrote a letter and mailed it certified mail return receipt to stop contacting me. I continue to get daily calls and voice mail messages despite instructing them to stop calling me. I am a senior citizen and they are scaring me.
Consumer complaint received 2022-04-09
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: BARCLAYS BANK DELAWARE (GA)

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. I have the rights 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 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 2018-10-22
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. (TX)

Today XX/XX/2018 I spoke with Experian credit bureau regarding a 10 point drop on XX/XX/2018, in my credit score. They said there is nothing I can do to dispute scores. 

On XXXX.18 my score was XXXX after a 5 pt increase. Then XXXX.18 it went to XXXX which is the normal 5 pt increase, HOWEVER on my alert the system verbiage stated that my credit score went up 16 points/it DID NOT increase my score by 16 pts! It ONLY went up the usual 5 pts. Then, and Im sure this was in an effort to correct itself, on XXXX.18 the system lowered my score 10 pts AND IT ACTUALLY TOOK MY SCORE DOWN!!!!! 
The alert stated it was good news and that my credit rating would remain at fair. 
Today Experian staff has stated repeatedly that they can not do anything about my score even though my alerts clearly show that NOTHING adverse happened in that time period to cause the drop OTHER THAN THE ERROR ON THE PART OF THEIR SYSTEM TRYING TO FIX ITSELF UGH! 
They added 5pts. accurate Said they added 16pts. but didnt then deducted 10pts. 
TRULY BAD MATH WOW! 
Ive attached my alerts & history from Experian to show what happened/details.
Consumer complaint received 2022-08-06
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. (TX)

Hello, All three credit bureaus show late payments more than 30 days on my account from XXXX - XXXX of XXXX. While my payments were later than the first of the month they were not more than 30 days. I have contacted XXXX to correct this but the credit bureaus are still reporting inaccurate information. 

I would like guidance on getting this situation rectified as it is becoming a hinderance. 

Thank you.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AZ)

I am receiving repeated phone calls weekly by the debt collection company stating that I owe money on the furniture I purchased roughly two years ago. I have explained to the debt collector that most of my furniture was paid in cash and some of it was financed on the credit card the furniture store had issued. we have sent the statements reflecting the payoff of the credit card. the debt collector in return sent me a itemized list of the furniture but fails to show any proof of what exactly is that we owe money for? I have paid of the credit card the furniture was purchased from and why am I being reached out by a collection ageny after two years of the purchase? why did Ashley furniture not contact us in the past two years? I am 100 % certain my debt if paid in full and if its not I will like the debt collector and Ashley furniture to provide proof of what exactly it is that I owe the money for. not just a phone call stating I Owe money but not knowing what for.
Consumer complaint received 2018-10-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

In the spring of XX/XX/XXXX, I was informed by the IRS that somebody had stolen my identity and filed my taxes. I followed all policies and protocols with all relevant agencies. I submitted police report, affidavit, SS card, DL, and IRS letter. All 3 major credit bureaus removed fraudulent acct except, EQUIFAX. One account I have disputed with Equifax, for over two years is, XXXX XXXX XXXX. I called around XX/XX/XXXX to inform Equifax, I was not happy with the fact they keep telling me account was verified as mine. I demanded a loan document showing my signature as proof. The man said he would follow up. Fast forward : XX/XX/XXXX I am out shopping with my daughter. My retail CC came up declined. I was shocked. Used another credit card that was declined. I called XXXX XXXX, they explained EQUIFAX had sent a letter 5 days earlier that I was disputing my accounts as fraud. The bank closed my CC immediately. They can not reopen I need to reapply. I called Equifax that evening Spent three hours on hold in the XXXX. Finally, I was sent to Nevada EQUIFAX call center When XXXX pulled up my acct all she said over and over was " oh my XXXX, every one of your accounts on your credit report are being reported as being disputed by you for fraud '' Closed, Open Accounts 20+ years- all being disputed. I had called in reference several weeks ago about XXXX XXXX XXXX. I asked XXXX what EQUIFAX was going to do. She said EQUIFAX would send letter that I no longer dispute accts and remove fraud status immediately. That is fraudulent. Equifax is not to tell my creditors I no longer dispute accts as I never did!! - adverse action has taken place against me. I have closed CC with high balances. I have no credit available with unpaid balances. This is killing my credit score XXXX said it was a glitch in equifax stem. This is unacceptable, irresponsible and down right dangerous. I have been living a nightmare since XX/XX/XXXX.  Calling all my creditors begging them to not close my accts - guess what? XXXX XXXX and XXXX  are now showing/reporting EQUIFAX fraudulent reporting.
Consumer complaint received 2022-08-07
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: FRESNO CREDIT BUREAU (CA)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. 

XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Collections Enterprise, Inc. (MD)

Response to company Company 's Response According to the records of the original creditor, XXXX  XXXX XXXX, the consumer/patient had a {$1500.00} deductible to meet under his insurance with XXXX, that was NOT met at the time the charges were incurred. Also, the verbiage used by the consumer in his complaint indicates he believes we have purchased the debt in question. We are NOT a debt buyer and do not own the debt in question. We are a collection agency acting on behalf of XXXX XXXX XXXX only. 

The deductible was meet three time over. XXXX was preformed along with multiplied office visits, XXXX, XXXX and XXXX. The XXXX alone totaled over {$20000.00}. In your first response you stated you were never paid. Information was provided from the insurance company showing that a payment was made for the date in question. now your stating WHAT. Please provide the original billing information along with information that you are stating you received from the insurance company. I believe that that there some kind of mix up with billing. Proof was providing showing that the payment was received after you originally stated that no payment was received. I am maintaining careful records of my communication with you for the purpose of filing a complaint. I will be contacting the Consumer Financial Protection Bureau and the Attorney General Office to seek further assistance and filing a complainant against your company.
Consumer complaint received 2022-08-06
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account : 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