davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-08
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. (NC)

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EQUIFAX has been reporting incorrect information on my credit report for XXXX XXXX XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EQUIFAX regarding the XXXX XXXX XXXX account, which was received by the EQUIFAX on XX/XX/2018. On XX/XX/2018, EQUIFAX responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed EQUIFAX that any automated response or XXXX   verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EQUIFAX has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
Consumer complaint received 2023-06-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (PA)

please fix data to show that my account is in good standing and that i made the payment in XXXX XXXX this is American Express for department In accordance with the fair credit reporting act 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 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since and present my account in good standing and valuable customer.
Consumer complaint received 2023-06-17
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. (NC)

Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.
Consumer complaint received 2023-06-17
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. (VA)

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 2023-06-17
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. (GA)

XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Consumer complaint received 2023-06-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC (GA)

According to the CFPB all medical debt less than {$500.00} or less than a year old from date opened are to be deleted and not reported on credit report. Opening date was XX/XX/XXXX which is less than a year of todays date XX/XX/XXXX.
Consumer complaint received 2017-12-12
Product: Credit card or prepaid 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: CITIBANK, N.A. (AZ)

I over paid Citi Bank $XXXX on XXXX XXXX XXXX and I have been trying to get my over payment returned to my checking account since I learned of the situation and I contacted them on XXXX XXXX XXXX and I was sent a check which was non-negotiable because it was issued to a business that has not been in business for 5 years. I called Citi Bank about this and I was told that my money would be back in my account by XXXX XXXX or XXXX XXXX XXXX. However, so far I do not have my money. I talked with a man named XXXX this morning and he told me that my refund was approved yesterday XXXX XXXX XXXX and that I should have my money in 3 to 5 business days. What gives any money institution the right to play someone else's money for a month without paying interest as I would be charged by them if I were late with my payments?
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I was affected by XXXX XXXX XX/XX/XXXX I applied for and was approved for the Covid 19 Forbearance protection under Cares Act. Under this protection my account was to show Forbearance and current. It was this way for a year. In XX/XX/XXXX I applied for and was approved for a loan modification. I qualified under Covid 19 Cares Act which allowed the lender under FHA to defer the past due amount. They did so but instead of showing that my new payments were due XX/XX/XXXX, they reported my credit late for the previous months that I was to be protected. I asked that they correct my credit. They had me send a letter. I did so, and my credit is still showing late with Carrington Mortgage it was first reported late XX/XX/XXXX and now showing over 120 days late for XX/XX/XXXX XXXX
Consumer complaint received 2024-10-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

FTC Report Number XXXX Amount stated is not valid.. please provide physically proof. I don't owe possibly someone with a similar name.. Bankruptcy - The courts do not report to credit bureaus this information is unverifiable and inaccurate/ invalidated account. Removal from all credit agencies as soon as possible.
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate. 

The credit bureaus stated my account for XXXX XXXX was properly investigated but that is impossible if the balance is inaccurate, the date last verified is inaccurate, date of last activity is inaccurate, date reported is inaccurate, date opened is inaccurate, closed date is inaccurate, creditor type is inaccurate, credit remarks are inaccurate, last payment is inaccurate, and payment frequency is inaccurate, along with tow year of payment history is inaccurate. This is grounds for removal. 

My rights under the FCRA are also being violated such as : 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. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Going for a mortgage to purchase a home for my 3 children, the mortgage company pulls from all 3 reporting agencies, and this information in each credit bureau is being reported inaccurately and inconsistent. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and have failed to do so. Please DELETE this erroneous item immediately.
Consumer complaint received 2023-06-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC. (NJ)

This company is claiming to be collecting a debt for XXXX XXXX XXXX, once I spoke to an agent and requested a verification of the debt with my physical signatures and proof the debt was in fact my responsibility I was told I had to call XXXX for that, I then requested proof and written verification of ownership of the debt and a contract that this company had to collect on the debt they claimed was owed, again I was told they did not own the debt and that they were only collecting on behalf of XXXX. 

As of XX/XX/23 this company was only capable of sending a last bill that was processed by XXXX per the FCRA they have failed to provide the requested information to validate the amount claimed to be owed and there for have been reporting inaccurate information to the 3 credit bureau 's and damaging my credit.
Consumer complaint received 2023-06-17
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: Experian Information Solutions Inc. (CA)

A fraudulent account/ loan has been opened at XXXX XXXX XXXXXXXX XXXX with my name on XX/XX/XXXX. late payments were made to this account which resulted in a dramatic drop in my credit score. After checking my credit score and identifying the fraudulent account, I reported the error to Experian on XX/XX/XXXX informing them of the Identity theft. I also filed an FTC complaint on XX/XX/XXXX. I sent copies of the FTC report, my drivers license and utility bill to experian. I also filed a police complaint with the XXXX XXXX police department on XX/XX/XXXX. i was advised to contact XXXX XXXX XXXX XXXXk to resolve the issue. The bank was very uncooperative. The agents say that someone who is responsible would call/ email us within a day or XXXXwo but no one contacts us. This has happened several times over the last month. The bank has continued to report the fraudulent account to credit reporting agencies while refusing to provide me with any information pertaining to this account. They have sent no correspondence to me regarding this error despite several attempts by us to contact them and resolve the issue. they have also not run any credit checks prior to opening the account/ issuing the loan to fraudulent parties. I have not received any correspondence from the bank over the last 9 months since they opened the fraudulent account. 
Experian has failed to double check any identifying characteristics such as address or a copy of the drivers license submitted to the bank and took the bank statement as evidence that I took out credit that I did not. They failed to correct the errors despite sending them multiple documents verifying my identity and filing several disputes.
Consumer complaint received 2023-06-15
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. (AZ)

I have names that don't belong to me and 1 account that is not mine and previous addresses that are not mine I have previously tried to dispute this and I got no respomse and I have the right to re dispute this and not have this rejected by the Credit bueraus and the CFPB
Consumer complaint received 2018-10-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Credit Adjustments Inc (NY)

My Federal Student loans are in Default and was taken over by Credit adjustment INC. This collection agency is refusing to work with me in repaying my loan and coming out of Default when they first reach out to me I receive a call requesting XXXX to be paid immediately which I had advised that I didn't have then they ask for XXXX he stated that if I didn't paid they will start garnishing my wages I advised the representative ( XXXX XXXX ) that I didn't have that amount of money as I'm just starting to get back on my feet my house was going into foreclosure but we were able to resolve the foreclosure issue. he then stated let me see if you qualify for the rehabilitation program then stated that it will be XXXX a month once again I advised that I can not afford that amount he then reminder me again that it would lead to 15 % of my wages to be garnish I stated that I couldn't pay that amount. The next day I call back spoke to another rep ( XXXX ) who stated that the previous rep work the account incorrectly and stated that I will only pay XXXX a month for the next 9 months she then requested for me to fax my expenses the way we when over it over the phone which I did then I receive a call back the next day by the previous rep asking me for more money then he went over the information again and stated yes you will pay XXXX I made my first payment on XX/XX/2018 then I call to make sure he receive that last document he needed then he stated that he was wrong with the amount he had me pay and it's XXXX a month I advised him that I do not want that amount withdrawn from my account I agree on XXXX he stated that unfortunately that was not the correct amount he then stated lets see if we have another program then he advised we can place on a payment of XXXX for the next 240 months when I calculated the amount after the 240 months its XXXX I told him I can not afford this amount he stated how about XXXX a month he advised there is nothing we can do for you so or you pay the XXXX or we will garnish your wages. This company is not willing to work with me at all I do want to come out of default but for a reasonable amount I went in default cause I was going through a hard time in my life with my home going through foreclosure, the passing of my younger brother, my dad going through XXXX XXXX and losing his benefits and an ill mother I do apologized I had a lot on my plate at the time but I'm back on my feet and want to take care of the matter but Credit adjustment is not willing to help me in this matter but more of threating me to garnish my wages.
Consumer complaint received 2023-06-17
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. (IL)

I received an email from my employer regarding a wage garnishment to take 20 % of my payroll check. The letter was sent from a company by the name of XXXX XXXX. I have no knowledge of this company and have never heard of them. I emailed my payroll and informed them that I am requesting for them to stop the wage assignment as I do not know who this company might be. My payroll is not enough to even pay my current bills let alone be garnished by a company I have no knowledge of. I am submitting this for complaint because I have tried to reach out to this company with no response other then receiving robotic calls. I am asking for this wage assignment to be reviewed immediately. Thank you
Consumer complaint received 2023-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

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 2023-06-17
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. (GA)

XXXX XXXX XXXX {$1800.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!