davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-17
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)

I have previously raised concerns regarding Equifax and believe they are now discriminating against me with how they reported my Credit Scores based on erroneous information being reported by XXXX XXXX which was paid off in XX/XX/2022 and has since been reported to XXXX XXXX XXXX. However, Equifax has refused to update my Credit Report to reflect the appropriate Paid Off Status within " PAYMENT STATUS '' section of my Credit Report. XXXX was Paid and Settled and should be reflected accordingly, so my scores can be properly adjusted. 

Also, XXXX was paid and Settled and is not reflecting that it has been Paid and Settled in the " PAYMENT STATUS '' section of my Equifax Credit Report. 

Also, my XXXX XXXX account is also showing the wrong " PAYMENT STATUS '' with Equifax, XXXX, & XXXX as this account was also PAID & Settled and should be reflected in the Algorithm which will update my scores and not only in a comments section of your report. 

Also, when I attempt to file a Credit Dispute with Equifax it is blocking me and not allowing me to file any type of Dispute or upload supporting documentation to validate my claim of erroneous, fraudulent, and discriminatory Reporting Practices. 

I am uploading my additional information from my FICO Report dated XX/XX/2022 which reflects where XXXX and XXXX was updated for XXXX and XXXX accounts, as these accounts were Paid and Settled.
Consumer complaint received 2024-10-24
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. (GA)

I submitted a FTC with my police report Equifax stated my FTC report is not valid which is false. I requested a response on why the FTC is not valid and wasn't responded to.
Consumer complaint received 2022-06-17
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. (WI)

So I sent out a letter to the three major credit bureaus about 3 months ago and didnt hear back from them. I decided to submit a complaint with the CFPB and only one credit bureau decided to actually fix the incorrect reporting while it seems the other bureaus do not care about the law or they think they are above it. I dont understand how one bureau can delete everything, one bureau delete some and the other delete nothing at all. Im confused at how this can continue to distrubt my life.
Consumer complaint received 2022-06-17
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. (AR)

On XXXX, I checked my credit report and noticed inaccurate information reporting, so I wrote dispute letters to XXXX, XXXX and Equifax explaining the inaccuracies of the accounts reporting. They sent me letters stating the accounts were verified. I asked them to send me proof of them being verified or remove them because they were reporting differently between all 3 bureaus and they have failed to do so. I've been disputing for 6 months with no results, so I've decided to file this complaint. Because of the inaccurate reporting of these negative accounts, I have been denied credit and it has prevented me from moving into a new house. I would like you all to please investigate this matter. The following accounts that are reporting inaccurately on my XXXX report is : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX previous XXXX account that was removed and then reinserted later on XXXX ), XXXX, and dept of XXXX. The following accounts that are reporting inaccurately on my XXXX report are : XXXX XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inaccurate accounts reporting on my Equifax report are XXXX XXXX, XXXX ( both showing as installment accounts when they aren't ), Dept of XXXX, XXXX, and XXXX XXXX
Consumer complaint received 2022-11-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2024-10-24
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 accounts listed below still remain on my credit report in violation of XXXX XXXX. 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 verified that these accounts are being reported correctly? Who verified these accounts? 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 accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX
Consumer complaint received 2022-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliver Adjustment Co. (FL)

TODAYS DATE : XX/XX/XXXX OLIVER ADJUS XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious OLIVER ADJUS XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of XX/XX/XXXXStop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXX/XX/XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XX/XX/XXXX XX/XX/XXXX, XXXX XXXX FL XXXX
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2022-06-17
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. (SC)

need to remove my personal information that i dont want on my credit report.According to fair credit reporting act XXXX usc XXXX have the right to privacy.Also according to XXXX usc XXXX no XXXX innstitution is suppose to share my information to third party people. 

these are clear violations of my federally protected consumer rights
Consumer complaint received 2023-07-19
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC (TX)

I received a title loan from Title Max. They charged me a high interest that no one told me about. I have been paying {$1100.00} a month for over a year and they say that I still owe them over {$10000.00}. I only borrowed {$2500.00}. I can not continue to pay them that kind of money every month for only them to tell me that my interest isnt going down. My monthly payment only let me rent my own XXXX car for a month. I have no more money and my car is about to be taken. How can I seek help. At this rate they will get {$20.00} for a {$2500.00} loan
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (DC)

I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.
Consumer complaint received 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OR)

to remove wrong addresses ' from credit report, XXXX XXXX XXXX XXXX, or and also the XXXX XXXX XXXX XXXX, or i have never lived at those places.
Consumer complaint received 2023-07-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (IL)

I signed up for a time share and immediately after signing up for the time share my credit card was stolen. I reached out to the XXXX XXXX by XXXX XXXX and informed them my card had been stolen and I needed to update my credit card information. I was told that my credit card information had been updated and payments of {$210.00} would be taken out of my account for the first 6 months then it would swtich to {$97.00} monthly. I reached out to XXXX XXXX XXXX XXXX in XXXX and informed them that my payment had not came out my account and was informed the {$210.00} had been pay off and the {$97.00} should have came out in XXXX. I let them know the payment had not come out and they said they will look into it, I was not aware that two different companies were handlng these transactions until a received a threatening email to put negative marks on my credit. I reached out the the Monterey Fianacial several times and was unable to get ahold of a rep. I responded to the email letting the company know that i was unaware the ACH did not transfer over the this company and I willing to make a payment for the two past due payments of {$97.00} and the company refused to take my payment unless I pay all the fees. I asked for statement of the fees and I was told they dont provide that unless I pay {$10.00}. 

I asked for any letters that they sent to my home stating I needed to updated my credit card information and they told me they dont send letters to a person home that is in the contract I signed. I asked could they resend me the letter they sent to me via email saying that I needed to updated my credit card information or I will be charged fees she said they only send contact us letters. I informed the rep thats not true I just received an email stating that I owe {$290.00} and you are going to put this on my credit report. 
I informed the lady, I am willing to make a payment today for the two past due payment but I was under the impression when I updated my credit card information the payment were being taken out. I would like those fees waived and any fees after this I would be responsible for and she refused my payment saying they would only take the ayment if I pay the full amount.

Refusing to send a statement breakdown of the fees owed and not taking my payment unless I pay these fees and you have not proven to me that I owe them is a deceptive practice. In addition these payments stated 6 months after I signed the initial ACH so to not notify me that these payments are coming due via email or regular mail is deceptive. In addition not being informed that I need to update my credit card information with Monterrey at they time when I updated my credit card information is deceptive as well and a easy way for a company to collect unwarranted fee from customers. 

There is a whole XXXX group complaining about these practices and someone should probable investigate what is going on with this company.
Consumer complaint received 2022-06-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XX/XX/2021 XXXX5 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Consumer complaint received 2024-10-24
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. (CO)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXXXXXX XXXX : Account # XXXX XXXX XXXX and Account # XXXX XXXX XXXX. 
AlsoXXXX XXXX XXXX XXXX XXXX  Account # XXXX. Theyve have violated my rights. 

I looked at my XXXX credit report on XX/XX/2024 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 general lf, after any reinvestigation under paragraph ( 1 ) 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 2022-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc. (CA)

In XXXX of 2021, Mr. Cooper ( our mortgage lender/servicer ) incorrectly coded a payment ( {$10000.00} was sent -- - Mr. Cooper credited me with sending {$1000.00} ). During my attempts to rectify the situation with Mr. Cooper, they incorrectly reported the mortgage payment as late, despite their promises that I would not be in arears during their review of my case. Following their review of the case, they gave as their reason that my account had " insufficient '' funds, which was demonstrably untrue.
Consumer complaint received 2024-10-31
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. (FL)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX  Account Number : XXXX Inquiry XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Knight Adjustment Bureau (UT)

I noticed that there was a collection account on my credit that is not mine. I called Knight adjustment on XX/XX/2023 and XX/XX/2023. Knight adjustment told me to dispute with the credit bureau and so I did however the credit angencies are sending it back as a valid debt. They told me there was nothing that they could do for me.
Consumer complaint received 2023-07-19
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. (DC)

I settled my charged off XXXX XXXX XXXX account in XXXX of 2022. It shows a XXXX balance and closed on my XXXX and XXXX reports but XXXX shows that I still owe over XXXX. I attempted to dispute it but was told I had previously disputed