davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-06
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. (NY)

I as a consumer am writing to file a formal complaint against XXXX, Equifax, and XXXX concerning inaccurate information and privacy violations on my credit reports. 

All three credit reporting agencies, XXXX, XXXX, and Equifax, have reported inaccurate debt collection information ( XXXX XXXX XXXX ) on my credit reports, damaging my creditworthiness and violating my rights under the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. 

The inaccurate reporting constitutes a violation of my privacy rights under the Privacy Act of XXXX  ( 5 U.S. Code 552a ). The Act requires each agency that maintains a system of records to restrict the collection of information to only the information relevant to the purpose, to ensure the information remains accurate, to collect information directly from the subject whenever possible, and to tell the subject the purpose for which the information is being collected and the authority under which it is being collected. 

The account clearly reports inaccurate open dates, last reported dates, and last active dates between ( XXXX, XXXX, Equifax ). 

The credit reporting agencies failed to follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit reports, as required by 15 U.S. Code 1681e- Compliance Procedures.

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Lastly, XXXX XXXX XXXX is a collection agency. The account reported is an inaccurate collection/chargeoff account, which is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as gross or ordinary income, and income does not get reported to a consumer report. 


I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate actions to rectify the inaccuracies on my credit reports, ensure compliance with relevant laws, and protect my consumer rights. I have attached supporting documentation, including evidence of the inaccurate debt collection information. 

I demand XXXX XXXX XXXX, account # XXXX to be deleted. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and appreciate your efforts in upholding consumer rights.
Consumer complaint received 2024-10-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (CA)

We had an original loan for our daughter of {$79000.00}. We believed our repayment plan covered principal and interest. Years later when we checked on loan we ended up owing {$100000.00}, {$24000.00} in interest has been added to our loan and the principal has not been touched, still {$79000.00}. We have not missed a payment since the date of the loan on XX/XX/year>. My loan number is XXXX. I am upset that with all our payments we never knew that we were not paying enough to cover principal and interest and that interest had accrued in the amount of {$24000.00}. Helpme please. 
Is there a government program to help with me and others who feel cheated? What can I do. 

XXXX XXXX
Consumer complaint received 2024-02-06
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)

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc. (NY)

XXXXELF Financial has two accounts on my credit report open in my name with opening dates less than 6 months apart. Both are negatively affecting my account and the CFPB hs done nothing to rectify this. Self has been allowed to falsify multiple accounts on my credit account only using one account number.
Consumer complaint received 2024-02-05
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. (MI)

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Delete these accounts due too inaccurate information in pdf for proof XXXX XXXX- I DONT OWE ANY DEBT TO THIS COMPANY PLEASE REMOVE & its a open collection thats a violation. 



XXXX XXXX XXXX THIS ACCOUNT IS OUTDATED & KEEP GETTING UPDATED TO CURRENT ITS BEEN OVER 7 YEARS OLD THATS A VIOLATION. REMOVE THIS ACCOUNT REPORTING OUTDATED INFORMATION XXXX XXXX XXXX- THIS ACCOUNT NEED TO BE REMOVED DUE TO OUTDATED INFORMATION THIS ACCOUNT IS OVER 7 YEARS & KEEP GETTING UPDATED NEED THIS REMOVED DUE TO INACCURATE INFORMATION REPORTING OUTDATED INFORMATION XXXX XXXXXXXX THIS ACCOUNT IS OVER 7 YEARS OLD DUE TO INACCURATE INFORMATION I WANT THIS ACCOUNT REMOVED. VIOLATION IS THEY KEEP UPDATING THIS ACCOUNT REPORTING OUTDATED INFORMATION I WANT THESE ACCOUNT DELETED DUE TO INACCURATE INFORMATION ITS HURTING ME Sincerely,
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

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.

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 2021-01-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NV)

I contacted XXXX  because I am looking for a house to move into. I sent my contact information through their site. I later received a text from a gentleman who claimed to be the owner of the property. When I arrived at the location, I had to go through extra security steps to open up the lock box to obtain the key. I went through rently.com. After viewing the property I was asked to submit a rental application which I did. I then signed a lease agreement, paid a deposit of {$830.00} and was advised to take the key as I would be paying my first rent payment XX/XX/21 to move in which would be an additional {$1000.00}. I was contacted later on that down by the real realtor of the property who informed I had been scammed. I tried to dispute with XXXX as I have proof of everything but they are not willing to credit me back.
Consumer complaint received 2024-02-06
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: EQUIFAX, INC. (DC)

EQUIFAX is obligated by the FCRA to report accurate accounting I advised ALL inquires reported were fraud company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, I the consumer am now requesting EQUIFAX to provide the documentation used to determine inquiry was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is Not asking for an e-oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap EQUIFAX Commission file number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i will be filing form XXXX XXXX  XXXX forms to XXXX  consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their consumer file not consumer report.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : Account Name : Account Number : has violated my rights. Or a 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 2022-02-01
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. (LA)

In XXXX of 2021 I began going to XXXX XXXX XXXX as recommended by my doctor. I received one bill from them sometime in XX/XX/2021, I suppose after they had charged my insurance. I went online to pay the bill but their payment portal was giving me issues. I called the location and, in turn, they had to call another location for assistance. I was then informed that they do not take online payments. After that call, I made several attempts to pay by cash at ghe location but was told they do not accept cash, by phone via credit card but something was wrong with their system, etc. I was supposed to get a call back but I suspect it slipped the mind of the receivables department. It also slipped my mind. I never received any other correspondence from the company. I then thought about it either XX/XX/2021 or XX/XX/2021 and went to the location to pay and was told that it had gone to collections. I was goven the information on the collections agency. That is when I found out that that agency has already reported the account to the credit bureaus. I had received to communication from the agency at all nor any communication from XXXX XXXX XXXX since XX/XX/2021. The bill was for {$280.00} originally. I pay my bills and would had no issue paying this one either. The {$420.00} includes a collection fee of approximately {$130.00}. I called the collection agency to pay the fee after having a conversation with the representative on the account. He stated to me that if I paid the agency would remove the account from my credit report. I asked for that in writing but was told that the agency doesn't have to do that and that I would just have to take their word for it. This seems like bad practice all the way around fron the XXXX, to XXXX XXXX to the way the credit bureaus ( XXXX and Equifax ) handled the whole thing. This issue dropped my score from over 800 to mid 700s and now I have a derogatory mark on my report for nothing.
Consumer complaint received 2022-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EOS Holdings, Inc. (NY)

A company named EOS CCA in XXXX falsified a debt in my name owed to XXXX ( my cellular phone provider ) which I already have an active account with them and pay monthly bill, if I owe them money they would suspend my account!? I filled a complaint for identity theft and they removed it from my XXXX credit report agency but they left it on the two other credit reporting agency ( XXXX XXXX and XXXX ) they must remove this fraudulent debt or I will take them to court. This company sent me fake debt to steal my money they must remove this collection debt from all credit report agencies
Consumer complaint received 2024-10-30
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. (GA)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2024-10-30
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. (RI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-30
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. (TX)

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 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Harris & Harris, Ltd. (CA)

Hello, my name is XXXX XXXX I paid an old debt that I had with my hospital in XXXX installments and was informed that this would get reported to the credit bureaus and have it taken off my report. None of this was taken care of and the balance still shows up on my credit report. I called the company listed below in XX/XX/XXXX and requested proof of payment as this had not been taken off my record and I would attempt to do so myself. I was informed that they would mail me letter proving my payment but this was never taken care of. My debt still shows as active on my Credit Report. I just called the company on XX/XX/XXXX and was told that I can not get a proof of payment letter but their word is that I have paid it off. 

My information is Name : XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( was XXXX ) ( current XXXX ) Ref # : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : ( XXXX ) XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX  XXXX
Consumer complaint received 2022-03-22
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. (KS)

Equifax Credit File XX/XX/22 Confirmation XXXX States Factual Record of File access and will remain on Equifax credit file for 2 years. These hard inquiries are not mine. They are from the address in XXXX XXXX FL that Equifax did take off. I DID NOT APPLY FOR CREDIT TO THESE 10 COMPANIES. SEE ATTACHED. ALSO SEE LETTER FROM XXXX, ALSO ATTACHED. 
If the hackers have my personnal information, yes, it will look like it was me, but this XXXX XXXX XXXX did not apply for credit with these 10 companies.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (RI)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2022-03-31
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. (LA)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.