davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally request the blocking and deletion of all accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am entitled to take these measures to protect my credit. 
The accounts in question are as follows : XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$670.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$2200.00} XXXX. XXXX Account XXXX : XXXX Opened : XX/XX/XXXX Balance : {$2400.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$670.00} XXXX. XXXX  XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$460.00} XXXX. XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$1600.00} XXXX. XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$11000.00} Additionally, I would like to address the following inquiries associated with my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
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. (OR)

I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX- inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX
Consumer complaint received 2022-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: The CMI Group, Inc. (OK)

I am formally asking Credit Management LP to Cease and Desist communication in regards to this alleged debt that is negatively impacting my credit report. I never gave Credit Management LP permission to communicate with me as a consumer or to communicate with me through any medium regarding this alleged debt. The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. My consumer report is in fact a medium in which is being communicated in regards to this alleged debt. My consumer report is in fact my reputation and my deputing is being hurt by something negatively reporting on there. I do not owe this alleged debt and all forms of communication needs to be ceased immediately. See attached letter for full information
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. (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.

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 2024-10-28
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so.

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-10-28
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. (IL)

I am submitting this complaint regarding Equifaxs failure to respond to my request to correct inaccurate information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite having submitted a formal request for correction, I have yet to receive confirmation or action from Equifax to address these inaccuracies.

I filed my formal dispute with Equifax on XX/XX/year>, providing documentation to verify my correct address and legal name. I requested the removal of any outdated or inaccurate information, as is my right under the FCRA. However, to date, I have not received any response, confirmation of receipt, or evidence of investigation or correction from Equifax.Details of the Requested Corrections : Address Correction : o My only valid address is : XXXX XXXX XXXX, XXXX, IL XXXX. 
o I requested the removal of incorrect addresses that do not reflect any current or past residence.

2. Name Correction : o My legal name should be listed as XXXX XXXX XXXX XXXX, and I requested the removal of any aliases or incorrect variations.

Equifaxs lack of response directly impacts the accuracy of my report and, consequently, my credit history. I believe that this issue requires CFPB intervention to ensure that Equifax meets its obligations under the FCRA and that my report reflects only verified and accurate information.Action Requested from the CFPB : I respectfully request that the CFPB investigate this matter to ensure that Equifax adheres to FCRA standards for accuracy and timely response. I appreciate your attention to this issue and trust that measures will be taken to uphold consumer rights in my case and for the benefit of others.

Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-28
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. (IL)

I am submitting this complaint regarding Equifaxs failure to respond to my request to correct inaccurate information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite having submitted a formal request for correction, I have yet to receive confirmation or action from Equifax to address these inaccuracies. 
I filed my formal dispute with Equifax on XX/XX/year>, providing documentation to verify my correct address and legal name. I requested the removal of any outdated or inaccurate information, as is my right under the FCRA. However, to date, I have not received any response, confirmation of receipt, or evidence of investigation or correction from Equifax.Details of the Requested Corrections : Address Correction : o My only valid address is : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 
o I requested the removal of incorrect addresses that do not reflect any current or past residence. 
XXXX. Name Correction : o My legal name should be listed as XXXX XXXX XXXX XXXX, and I requested the removal of any aliases or incorrect variations. 
Equifaxs lack of response directly impacts the accuracy of my report and, consequently, my credit history. I believe that this issue requires CFPB intervention to ensure that Equifax meets its obligations under the FCRA and that my report reflects only verified and accurate information.Action Requested from the CFPB : I respectfully request that the CFPB investigate this matter to ensure that Equifax adheres to FCRA standards for accuracy and timely response. I appreciate your attention to this issue and trust that measures will be taken to uphold consumer rights in my case and for the benefit of others. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-10-12
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. (WA)

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. 

XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

I paid off my small car loan last year and Experian still shows it open and not paid. I have disputed it several times with them and 6 months later there is no change. XXXX XXXX did it within 2 weeks.
Consumer complaint received 2020-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

To Whom It May Concern, I'm writing this complaint in reference to my recent interaction with Wells Fargo Dealer Services. I've reached out to WFDS on 3 occasions via USPS mail, with zero responses back from anyone at the company. 

My account was closed on XX/XX/2014 and it was originally reported that I owed {$610.00}. I then disputed this amount, with all three credit bureaus. Sometime in late XXXX / Early XXXX, this amount owed was removed from all three bureaus/reports. 

WellsFargo Dealer Services still continues to report this as a charge off. 71 charge offs to be exact, and each month a new charge off is added. This is destroying my credit score and is major red flag to future lenders. 

I find it unprofessional and unacceptable, WFDS hasn't responded, or attempted to rectify the complete error in their reporting to all three credit bureaus. 

I've included all three letters that I've sent to WFDS.
Consumer complaint received 2019-03-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (CA)

I've asked for my collections to be verified and have not received anything is over 30 days. You report to my XXXX and XXXX a balance of XXXX, that I am unaware of. I have been disputing this account since it appeared on my credit report. Over a year now, when I reached out to the company they advised they would take the new address that I provided and update their system. However I believe if they were not able to verify with the address that they have, then it should have been deleted on my credit report.
Consumer complaint received 2019-05-22
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BMO Bank, N.A. (IL)

XX/XX/XXXX To whom it may concern, Regarding : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Back around XXXX I had a HELOC Home Equity Line of Credit. When the recession hit my husband and I could lost our jobs and we could not pay our bills. When my husband gained employment we were able to do a modification. This was done and our HELOC was charged off. Years later, I called my creditors and made good on past accounts with payment arrangements. It was then, that I discover that my HELOC was sold from M & I Bank to BMO Harris Bank N. A. I was never notified the loan was sold at that time my house was under water by over 100K. 

I called BMO in the past and have tried to settle, but they insist on at least 35K. I have told them this is not possible. This year, I received a 1099-C with a Identifiable event code of G. My accountant said it wa A cancellation of debt. When I did my taxes they said I was insolvent. 

I called BMO XXXX XXXX XXXX XXXX and spoke with XXXX regarding the 1099-c. For the amount of XXXX She said the reason I received the form was because I had passed the statute of limitations for collections. I then asked if they would remove the lien. She said no, NOT until I pay off the debt. She wanted to settle for XXXX. I told her if I could I would have. And that even if I sold the house today, after expenses paying the 1st only, I would need to come with money to the closing table. I told her I would like to have the lien release. Since I have a 40 year loan and want to refinance. I do not think I will live to be 98 and pay the first off much more the second. I told her it does not make sense to charge off the debt, and for them to get the tax ride off and still collect from me. It seems like they are double dipping. Well XXXX said I could write a hardship letter and maybe they will accept a lower amount. 

I am wondering if I have any rights as a consumer for this. Since I am in no position to hire and attorney. I have searched the internet and its called XXXX debt. There is contradicting information. I am also sending this letter to other agencies, as I feel the their business practices are deceptive and illegal for trying to collect after a cancellation of debt 1099-C. 

I can be reached at XXXX ) XXXX the best way is email XXXX Thank you for your time, XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX  .cc Federal Reserve .cc Attorney General .cc XXXX XXXX XXXX .cc Fair Debts Collection Practices
Consumer complaint received 2019-05-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ORG GC GP BUYER, LLC (KS)

XXXX from the company is calling me and multiple other people trying to gain information. Does not identify the debt she is trying to collect. Multiple parties have asked them to stop calling. She is continuing to call repeatedly.
Consumer complaint received 2024-10-25
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)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX  XXXX. 
Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, which is in violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The incorrect reporting of late payments has caused undue harm to my creditworthiness and credit score, thereby violating my consumer rights under TILA.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act further reinforces the responsibility of creditors to provide timely statements, ensuring that consumers are not unfairly penalized. The discrepancies in the reporting of my payment history suggest that this obligation was not met by the creditor, leading to significant harm to my credit standing. 
Evidence of Errors in Payment Reporting For the account with XXXX  XXXX, the following discrepancies have been observed across the credit bureaus : Equifax : The account incorrectly shows two 30-day late payments in XX/XX/XXXX and XX/XX/XXXX, while all payments were submitted on time. 
Pattern of Inaccuracies The continued incorrect reporting of late payments across XXXX, XXXX, and Equifax reflects a pattern of inaccuracies. These late payments have been falsely reported despite my payments being made on time and my account being in good standing. 
Request for Immediate Correction I am formally requesting that these inaccuracies be corrected and that the incorrect late payment notations be removed from my credit report. The information should be updated to accurately reflect my payment history, which has been on-time. If this issue is not resolved within 30 days, I will escalate my complaint further, including legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your prompt attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (TX)

On XX/XX/XXXX, I received services from XXXX XXXX XXXX ( subsidiary of XXXXXXXX XXXX XXXXXXXX ) and paid in full directly to them at time of service ( see receipt attached ). However, in XXXX, I noticed that a collection agency, XXXX, reported this debt on my credit report. I filed a dispute, and the debt was subsequently removed from my credit report after I provided copies of my receipt showing I paid at the time of service in XXXX. 
Recently, I discovered that XXXX XXXX XXXX XXXX sold the same debt to the National Recovery Agency who added this same debt to my credit report again. I strongly believe this is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I paid at the time of service in XXXX and provided my receipt as proof of payment. 

Fair Debt Collection Practices Act ( FDCPA ) The key violations I am reporting : 807 False or Misleading Representations : Debt collectors may not falsely represent the character, amount, or legal status of any debt. By attempting to collect a debt that was already paid in full and previously disputed, the National Recovery Agency is violating this section. 

806 Harassment or Abuse : Attempting to collect on a debt that has already been paid could be considered harassment.

809 Validation of Debts : If you dispute the validity of a debt, the collector must cease collection until they provide sufficient validation. Given that the debt was previously disputed and resolved, attempting to collect again on the same debt violates this section. 

Fair Credit Reporting Act ( FCRA ) Key violations include : 623 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information : Furnishers of credit information ( like collection agencies ) must ensure that the information they report is accurate. By reporting a debt that was already paid, XXXX XXXX XXXX XXXX and the National Recovery Agency are violating this provision. 

623 ( a ) ( 3 ) Duty to Correct and Update Information : If an error is found in the reporting, creditors or debt collectors are required to promptly update or correct the information. Since the debt was previously removed after your dispute, re-reporting it as unpaid is a violation.