davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (CT)

XXXX Account XXXX XXXX is reporting as an delinquent account across all three of my credit bureaus which is inaccurately reporting as all my payments for this account has been on time and there were never any late payments. As a result, of this I closed the account because of the inaccurate information they were reporting to the credit bureaus and these false representations of a delinquent account severely hurt my credit score. I am in the process of going for an mortgage loan in which this issue from the past is continuing to haunt me which is inaccurate and I need this fixed. See attached documentation.
Consumer complaint received 2024-01-06
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: Experian Information Solutions Inc. (NC)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Consumer complaint received 2024-01-21
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (FL)

I engaged with Greensky via XXXX XXXX XXXX ( a window replacement company ) in early XXXX of XXXX. Their financing terms were attractive, and that route worked best for our family 's finances. The work was completed on XX/XX/XXXX. I received my first paper statement to pay in XXXX and went to their website to make payment arrangements. I made my first payment. Their system accepted my payment of {$330.00}, and I went on about my business. I did and have been doing the same thing every month as I am supposed to. 

On XX/XX/XXXX, I logged into my account to make my payment to find a screen in red stating that I was now {$1000.00} BEHIND in payments. I accessed my profile and confirmed yet again that the XXXX routing number to XXXX XXXX and the account number is also correct. I called in immediately and filed a complaint with GreenSky. Several days later, on XX/XX/XXXX, I was emailed for the first time regarding the complaint I lodged with them about this nonsense. It is now the XXXX of XXXX, XXXX days later, and not only has nothing been done, but now I have a late pay on my credit report according to an emergency email I received from XXXX, NOT from GreenSky. None of my statements until this XXXX statement indicate I am tardy/late. I am paying them ; they are not taking my payments. I filed my second complaint today XX/XX/XXXX. 

Additionally, and this is the crux of this complaint. GreenSky, a bad actor, in my opinion, has NEVER contacted me regarding any issues with my account, and by never, I mean NEVER. I have never received a voicemail, text message, email, or regular paper mail indicating or alerting me that there is an issue. It is my understanding, pursuant to Title 12 Chapter X part 1006 section j, that creditors MUST leave, at least a limited message pursuant to section j1. Had any of this happened at any time, indicating to me that there was an issue, I would have responded immediately and attempted to correct any issues with the account. 

When I contact them, I get pushed all around talking to this person, then that person, and so on and so forth. I filed a complaint ( s ) that nobody did anything about, and now I have a late pay that really isn't a late on my credit report.

Team CFPB, I need help. I need protection from GreenSky as I am being victimized by a company that is too big to seemingly be held accountable. I only opened this account for convenience and my ability to make more interest on my investments than the amount of interest being charged. GreenSky must be pulled into, at least, federal compliance with their debt management practices. Please help me I feel powerless in the face of these big companies. Thank you for your time, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I have sent dispute letters to all three bureaus. My Equifax and XXXX report is not reporting accurate information like XXXX. Status is incorrect and showing late for XXXX XXXX. This account was not removed/deleted or updated for Equifax and XXXX but this account is not showing on XXXX at all. It is also showing different statuses. XXXX states " 60 days past due '' and Equifax is showing " not more than two payments past due ''. XXXX has deleted this account. I have documents and proof attached showing what I have stated is accurate and that I have sent certified letters. 15 U.S. Code 1681e ( b ) states " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ''
Consumer complaint received 2024-10-29
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. (NY)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-01-17
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX  XXXX
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PR)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. Notation of the late payments for XXXX XXXX are inaccurate. Pleas investigate and verify that all data for this account is report accurately including every notation date and balance whether reported or not. 

I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to sep all statements and payment transaction records from the ere that would prove that my payment was not submitted on time g my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As XXXX Agreed, Never Late ) according to consumer protection laws. 

XXXX I contacted them and was to receive a call back, never received it. 

XXXX I contacted them again, no response. 

XXXX No resolution.
Consumer complaint received 2024-01-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am writing to request a copy of my consumer credit report, as permitted by the Fair Credit Reporting Act ( FCRA ). 

I am seeking a comprehensive and accurate copy of my credit report, including information on my credit history and any associated public records.
Consumer complaint received 2024-01-19
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. (OK)

I was affected by the equifax data breach and suffered negative consequences due to that. I have negative accounts that were due to the breach that needs to be removed. Equifax is not responding to my requests. 

The following accounts need removed by law Collections XXXX XXXX XXXX - {$690.00} XXXX XXXX XXXX - {$2000.00} Neither of these accounts are mine and because my data was leaked I want them removed from my Equifax report.
Consumer complaint received 2024-01-21
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (TN)

I received threatening and abusive emails from an attorney XXXX XXXX from Ohio making outrageous threats about an alleged loan. These threats included threats of jail if not paid in XXXX hours ; threats that a federal bureau was investigating this ; threats to get me fired ; tell all contacts on social media and stating that I owed enormous sums of money that I did not borrow. I received XXXX such communications XXXX in response to requests to validate the debt and to provide the Ohio XXXX number for XXXX XXXX. These had other odd email addresses that were private not a business email as you will see in the attachments. 

I have been very ill and in hospital multiple times recently for emergency XXXX and am filing in bankruptcy. 

These emails are in clear violation of the FDCA and other laws. Further, XXXX XXXX counsel for Speedy Cash, is NOT a licensed attorney in Ohio and has been fined and disciplined for practicing law without a license. 

Please assist as this is exacerbating health issues.
Consumer complaint received 2024-10-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I became a victim of the Equifax data breach, during which my personal information was sold and acquired illegally. Consequently, I am requesting the immediate removal of certain items from my credit reports. Enclosed is evidence demonstrating Equifax 's inaction in this matter. I urgently need assistance in expunging these unauthorized accounts from my credit reports. The items that require deletion from my credit report are as follows : XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX EQUIFAX MORTGAGE SER Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute a charge-off entry on my credit report associated with account number This charge-off was reported without the issuance of a 1099-C form, which, as per IRS requirements, must be provided to individuals when a debt is discharged or forgiven. To date, I have not received this form for the alleged debt in question.

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, consumer reporting agencies like Equifax are obligated to ensure maximum possible accuracy of the information contained in consumer credit reports. Additionally, creditors are required to issue a 1099-C form to the debtor if they cancel a debt of {$600.00} or more, as outlined by the IRS guidelines . The absence of this form implies that the debt may not have been officially canceled or forgiven, and therefore, it should not be reflected as a charge-off on my report. 

The following federal laws and regulations underscore the need for accuracy and transparency in credit reporting and tax reporting practices : 1. **Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. : ** This law mandates that all information in a credit report must be accurate, complete, and verifiable.

2. **IRS Regulations, Form 1099-C Cancellation of Debt : ** When a debt of {$600.00} or more is discharged, the creditor is required to issue a 1099-C form. The absence of this form raises questions regarding the validity of this charge-off entry.

Please conduct a thorough investigation, and if this charge-off can not be verified with a 1099-C, I respectfully request that Equifax remove this entry from my credit report. I have attached copies of my identification and credit report for reference. 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as per the FCRA, indicating the actions Equifax has taken regarding my dispute.
Consumer complaint received 2024-10-29
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: EQUIFAX, INC. (GA)

This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :
Consumer complaint received 2021-12-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (FL)

On this date XX/XX/2019 company opened a collection. 
Account # XXXX {$2700.00} That I owe I have never signed any written documents saying I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 


XXXX XXXX
Consumer complaint received 2021-06-25
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)

I've contacted the Consumer Reporting Agencies multiple times, via through mail and telephone. Pursuant 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I never gave the consumer reporting agencies any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this request. 
In regards to the accounts and inquiries listed below, as a consumer Im demanding a deletion of these items. 

1. XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 

2. XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX XXXX These accounts are individual actions, they must be delete immediately.
Consumer complaint received 2024-10-23
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: EQUIFAX, INC. (TX)

I looked at my report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 



I sent letters asking them to reinvestigate these accounts listed below because Account # XXXX first progress card, Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Account XXXX XXXX XXXX  XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

Accounts XXXX XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Account XXXX XXXX XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate. 

They have not responded to me and here is my tracking number XXXX
Consumer complaint received 2021-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA (IN)

I was approved for an Apple Credit Card XXXX  months ago ( XXXX of 2021 ). I have not been able to make one purchase on the credit card as of today, and we are in XXXX. I have contacted Goldman Sachs ( who runs the credit card service and support for my Apple Card ). I have called approximately 6-7 different times to try and resolve the problem. On every occasion, they have not been able to fix the problem because they have some sort of security or IT issue on my account. I have had the majority of customer service reps tell me that there is no timeline on when they will be able to fix the problem, but that I will receive emails on status of the ticket. I have not received a single email on status update. I have been promised by one manager that this issue was escalated to " high priority '' and that the issue would be fixed within the next week - this never happened, and I never got a callback or an email. I have worked through different tactics with customer service reps on the phone to try and fix the problem using Apple Pay app, attempting transactions, changing the card number, etc .... none of it has solved the problem. There is no urgency to fix the problem it seems like, no matter who I have spoken with. All of the calls have been recorded, and the company has documented notes on my issue when I have called for assistance. Despite working with different customer service reps to attempt to resolve the issue, I continue to be told I will have to wait for a team to solve the issue and send me an email... nearly XXXX months after I first activated the card.