davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Bureau Services Association (TX)

my thought process at the time was that the bill would go to collections and I would have time to take care of the bill when I can actually afford it ). the bill was sent to collections ( XX/XX/15 ) I was called multiple times but since I could not afford it I never answered. I was called a year later ( don't know the specific date ) from a debt collector asking to receive payment ( at that time I had a part-time job and was willing to work with them on a payment plan to pay the bill ). I asked for proof of the bill since it was the first of me hearing that I had a bill under that company. I wanted to be sure that the bill wasn't sold off to another company ( since they didn't contact me for about a year ) so that I could avoid paying two separate bills from two different collection agencies. The caller then proceeded to forcefully ask me to pay for the bill without providing me proof that the bill came from the company handling my doctor 's bill. He then hung up and never received any other notice from that collector 's agency to this date.
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. (AL)

My account was never late! I have had exceptional payment history 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 to be updated. 


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 paym
ent 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.

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! 


Update the late payments from my consumer reports
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. (MN)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2024-10-28
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: EQUIFAX, INC. (AL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al. XXXX XXXX XXXX XXXX Account type : Revolving Date opened : XXXX XXXX XXXX  Status : Charge off This account is closed and still shows on my credit report as negative and should be removed from my credit report.
Consumer complaint received 2020-06-18
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC (NY)

My previous complaint # XXXX was closed without me answering back to this company. It is not fair that i am not allowed to also respond back and my comp [ lain is simply closed when i belive my rights have been violated.. i am putting in another complaint with my response. Below is my original complaint. Flagship Credit Acceptance wrote the CFPB back with a response and documentation which i attached. 

I wrote Flagship Credit Acceptance in regards to a repo listed on my report. I am not denying the account however i do not believe the amount they are claiming i owe is correct. They are reporting an amount on my credit report that is not accurate. I was never sent any letter in the mail in-regards to the sale of the vehicle. i was never sent a detail breakdown / deficiency balance nor was i sent any documents showing the fees or how much they received from the sale of this vehicle. They sent me statements of my payments when i did have the car but not the original letter with the sale. I believe state laws do require that a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time was adhered to. When the car was sold these documents was never sent to me.
Consumer complaint received 2019-05-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (DE)

I opened an American Express Delta Rewards Credit Card XX/XX/XXXX. 
At some point in XX/XX/XXXX I was awarded bonus miles. 
I accrued nearly XXXX miles via this credit card during this time. 
In XX/XX/XXXX I attempted to access my Sky Miles Account via Delta. 
Delta notified me the account that was linked to MY credit Card was not mine. 
I informed Amex. Amex informed me to contact Delta. Delta informed me to contact Amex. I filed multiple tickets. I only have 2 of the numbers ( XXXX, XXXX ) I ultimately was able to determine the account that recv 'd the miles was my daughter. Who does not have an Amex account. 
American Express continues to deny responsibility for awarding the points to the wrong Account number. 
I have been patient with American Express for almost 6 months. I am trying to plan my vacation with miles I worked to accrue. They will not award me the points and they now say too much time has expired to do anything about the issue. Time expired b/c they continued to push me around and failed to act in a timely manner. XXXX sky miles now sit in the wrong persons account. How is this possible?
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (GA)

I am writing to formally submit a complaint against XXXX XXXX  for the following reasons : XXXX XXXX XXXX  has an accurately reported a foreclosure on my home which is a fraudulent foreclosure due to a defecation or a separation of my promissory note and title both are supposed to be held at the county clerk 's office in XXXX XXXX and there is no promissory note attached to the title so this makes it a separation which is illegal and is fraudulent and makes the mortgage know and void. 
XXXX. I also want to report a breach of contract with XXXX XXXX  in regards to my security deed I attempted to resend my security deed because I never gave XXXX XXXXXXXX  consent or consent to my securities interest so this is also security fraud I attempted several times to resend my security deed contract again I never gave XXXX XXXX consent or provided a gift of convenience to my security interest. 
XXXXXXXX XXXX XXXX XXXX has reported inaccurate information regarding my account to the XXXX credit reporting agencies. This misinformation has adversely affected my credit score and financial standing. 
4.misuse of Federal reserve loans I'm concerned that XXXX XXXX  may be abusing loans obtained from the federal reserve XXXX It appears that these funds are not being utilized in a manner consistent with the ethical banking practices, particularly in relationship to my account. 
XXXX. I also want to report abusive insurance policy ; the bank charged me while collecting on the insurance policy that was supposed to ensure my account this practice appears to be abuse of insurance coverage and has resulted in additional financial burden on my part.
Consumer complaint received 2024-10-28
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)

I demand that all charge offs be removed from my credit report because according to 15 USC 1681 ( 2a ) ( I ) all charge offs are considered a transaction and income on all Corporation or Banking institutions Ledgers. They filed 1099c on all these charge offs and failed to report them to me according to the IRS. So, they must be removed. I also did not give permissible purpose to let ANY organization report ANYTHING on my credit. If I did, I am now revoking all authorization for doing so. I'm also demanding that all inquiries be removed because my Information has been compromised on 6 different occasions by these companies 1. Equifax 2. XXXX  3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX and i can't remember the 6th one but it was some medical information that got compromised.
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. (CA)

Equifax is inaccurately reportinXXXX XXXX XXXX and XXXX XXXX XXXX on my credit report. These accounts and balances do not belong to me, and this situation constitutes fraud and identity theft. 

I have repeatedly submitted letters and requests to have these accounts removed, yet no action has been taken after several months. I have attached letters from XXXX and XXXX, both of whom have confirmed that these accounts should be removed. It is imperative that this issue is resolved immediately.
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. (GA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.
Consumer complaint received 2021-02-02
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Home Loan Center, Inc. (TN)

I was contacted by Lending Tree stating that I was approved for {$3000.00} and that they would be depositing insurance money in my account and I would have to go to XXXX XXXX to purchase a sponsored prepaid debit card for the amount. I was at work during the time and expressed that to the loan officers " XXXX XXXX '' and " XXXX XXXX '' but before I could get off they had called the police on me stating that I had run off with federal funds. All they did was break into my account and reverse a ton of transactions to equal {$1300.00} I called the gentlemen back at XXXX and he asked me to purchase a {$500.00} XXXX gift card which I did from XXXX because this company had called my local police department on me and I was terrified. 

I spoke with XXXX XXXX and asked him to take all of this money back because now I am terrified that I have committed a crime. 

He asked me to XXXX XXXX the remaining balance of {$800.00} to $ XXXX XXXX XXXX XXXX XXXX. XXXX XXXX kept declining the transaction stating it was fraudulent. 

My bank ( XXXX ) will not allow me to receive instant payments via XXXX XXXX but the Loan Manager XXXX XXXX asked me to XXXX XXXX back to myself. I explained to him that my bank won't allow me to receive instant payments it would be 24- 48 hrs before it would post. He then says I will put the money back in your account don't worry about anything.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Demand for Exclusion of Transactions from Consumer Report Pursuant to FCRA, 15 U.S.C. 1666b To Whom It May Concern, I am writing to formally dispute the exclusion of specific transaction on my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1666b, I demand the exclusion of the following transactions : XXXX - XXXX Under 15 U.S.C. 1666b, which establishes consumer rights concerning the reporting of disputed billing errors, it is explicitly required that consumers must be provided with all necessary disclosures as outlined in 15 U.S.C. 1637b. These disclosures are essential to ensure a consumer 's understanding of the terms and the extent of their obligations. Failure to provide these disclosures constitutes a clear violation of the FCRA and places an obligation on Equifax to exclude these disputed transactions from my report immediately.

It is well-established that the FCRA imposes a duty on consumer reporting agencies to maintain accurate and complete information. The failure to provide required disclosures directly violates my rights under the law and has been addressed in relevant court cases, such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), which affirmed that credit reporting agencies must take reasonable steps to ensure the accuracy of reported information, especially when consumer rights are at stake. Furthermore, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ), the court reiterated the consumer 's right to dispute and seek removal of incorrect or incomplete information in the absence of the required disclosures.

In light of these facts and the legal precedents set forth, I hereby demand the immediate exclusion of the aforementioned transactions from my consumer report. Failure to address this matter appropriately will leave me with no choice but to escalate this dispute, including but not limited to filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing further legal action to protect my rights.

I expect a response within 30 days of receipt of this letter, as mandated by federal law.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/XX/XXXXXXXX XXXX XXXX  This account has resulted in a fraudulent collection appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-28
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. (PA)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
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. (FL)

I am writing to formally notify you that I am a victim of a data breach, resulting in fraudulent account activity and credit inquiries appearing on my credit report. I request that the following account and inquiries be blocked and deleted from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account : XXXXXXXX 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CO)

My student loans have been forgiven and dismissed as part of the XXXX XXXX, XXXX v XXXX case. My loans were fully forgiven per the XXXX website on XX/XX/year>. Over the years my loans were sold and transferred through multiple servicers, ending with Mohela. When my loan was XXXX through XXXX XXXX, I contacted Mohela to determine my refund amount. I have called over XXXX times trying to get a response. Many times I have not gotten an answer, been forwarded to a line that disconnects the call, or received an answer from a representative that says they aren't able to tell me my refund amount due to processing. I have been told amounts under {$XXXX} and amounts over {$XXXX}. Prior to Mohela discharging my accounts and removing my access to my account history, I was able to obtain a document showing a refund due in the amount of {$XXXX}. Mohela denies that this refund is due and I have made no progress in getting updates any further. The XXXX XXXX  XXXX states that this is the responsibility of the servicer. The servicer says they have no records of the refund now that the loan has been XXXX.
Consumer complaint received 2024-10-28
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. (NV)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2020-06-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NY)

XX/XX/2020- I saw a sudden drop of 67 points in my credit score. My credit use increased by {$2500.00}. My total credit use is $ XXXX 6 % of my credit limit of {$91000.00}. 

XX/XX/2020-at XXXX XXXX  EST I reached out to XXXX XXXX asking what's the reason of such a massive drop. There was a home rental inquiry apart from the credit drop. I got a copy/paste automated response telling me nothing but that it has dropped because of my credit use increase. I further asked what's the metrics used or formula or any empirical barometer used to gauge this drop or is it at the prerogative of XXXX XXXX, XXXX, Equifax or XXXX  to destroy my credit at their will. 

I got no response but that I should use my credit carefully. 

XX/XX/2020- I visited XXXX  's online dispute portal but after manuvering a while I found out that it's only a dummy for namesake dispute. It doesn't work- there are operational links and it doesn't navigate functionally at all to accept a dispute. I have a screen video of that. 

XX/XX/2020- at XXXX XXXX EST I called XXXX at XXXX XXXX XXXX and spoke to XXXX. After the initial screening I told her that the online dispute form is not working to which she said " how can I help you '' I asked her why my score dropped so drastically about 67 points. And she became rude and said you should not use so much credit. Upon that I asked what's the system, calculation or metrics to determine my score or its weightage. To which, she rudely asserted that she doesn't know that. 

I finally asked her if the XXXX  can destroy my credit at their own prerogative without any rhyme, reason or empirical evidence. To which she said no but that I should watch my spending. 

Last but not least after my credit score dropped- I immediately started getting mortgage offers at higher price than before.