davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
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)

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). Equifax is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt.

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. 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 ''. How is it possible that maximum accuracy is assured when the collection agency is verifying erroneous information to the CRA through an ACDV, and hasn't provided you with proper validation of the debt? 

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA.

Please provide information to the following questions When was the dispute started internally at Equifax? 
When was the dispute sent to the original information furnisher? 
When did Equifax receive a response from the original information furnisher? 
What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as Equifax is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe judge ruled that Equifax violated the Fair Credit Reporting Act by failing to compare evidence. Equifax has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 


XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VT)

This loan was consolidated with Department of Education / XXXX on XX/XX/XXXX, and XXXX/XXXX/XXXX  Still reports the loan as Charged Off. They are no longer the noteholder and the debt has been resolved since XX/XX/XXXX. In fact all of the loans were consolidated and in good standing XXXX. 

We filed paperwork with company MULTIPLE TIMES with no response. I have made payments with XXXX XXXX and XXXX totaling {$33000.00} since XX/XX/XXXX encompassing and including the loans forwarded to XXXX XXXX reported by XXXX XXXX/XXXX/XXXX continue to incorrectly report. Over 6 years I have made my payments perfectly without missing a single one. My credit report is flawless otherwise, and these remaining items which are incorrect, have prohibited me from rates that I earned, homeownership options that I should qualify for, and many more issues. 

My local credit union representative has has called XXXX/XXXX/XXXX Funds multiple times, and we were promised resolution without any further follow-up and negative items remain on credit report. We have even attempted a resolution with the Ombudsman from the Department of Education, who facilitated the consolidation with XXXX in XX/XX/XXXX. 

XXXX/XXXX have record of accounts XXXX and XXXX BOTH being transferred out - and resolved, yet they continue to incorrectly report " charged-off '' on my credit report. This is the same for XXXX XXXX   account ending XXXX.
Consumer complaint received 2022-06-22
Product: Credit reporting, credit repair services, 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. (SC)

I have tried contacting the credit reporting agency because the inquiries on the credit report are incorrect and are not mine. Every time I try to contact them about it they refer me back to the agency and the agency refer me back to the credit reporting agency. I'm really tired of play tic tac toe with them about this. Its easy for them to put it on, but we catch it trying to get it off. I need the following inquires removed from my report because they are not mine. 
XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX, XXXX and XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX there are things on my credit report that I have asked to validate and I have received nothing so I need them removed. Some are medical bills that needed validation and was asked to send them within 30 days and I have not received anything. I want them deleted off my credit report. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

I am disputing this account reported by Capio Partners for the second time and request assistance from the CFPB in making my third attempt. I communicated to the collection agent in writing ( see attached copy of letter ) and their client XXXX XXXX XXXX by telephone that I have no knowledge of any service and why this account is reporting on my credit reports. I spoke to a hospital clerk by telephone and informed them that this account may have been paid by mistake. I explained that I pay my debts as I receive them and it may have been paid which is a mistake because it was one of the accounts reporting on my credit that was opened without my consent. I did not open this account and have not received any service from this hospital. This account was opened fraudulently using my lost/stolen identification and I have requested previously for the client to provide me with validation of this account bearing my signature giving my consent to enter this contract and information of the instrument used to identify the person who requested your service. I would also like to know why this same account with the balance of {$75.00} that was disputed and removed from the ( 3 ) CRA by Capio Partners XX/XX/2018 was reopened on my files on XX/XX/2018 this account is not reporting this account on my credit files in compliance of the FDCPA ( see confirmation of XXXX XXXX deletion ).
Consumer complaint received 2019-08-20
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. (NY)

THE DISPUTED ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME, THOSE ACCOUNTS ARE INACCURATELY PLACED ON MY CREDIT FILE AND I WOULD LIKE TO HAVE THEM REMOVED. THOSE NEGATIVE ACCOUNTS HAS HINDER MY CREDIT FILE AND HAS CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE AND NAME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT ONLY ACCURATE ACCOUNTS.
Consumer complaint received 2018-11-02
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Shellpoint Partners, LLC (VT)

I took out a loan in XXXX with a credit line of {$30000.00} with Beneficial based in XXXX XXXX NH. At that time, I was told it was a 15 year mortgage with a fixed rate. Over the years, the account has changed twice and is now with Shellpoint Mortgage Servicing. I have paid on this account for 20 years and my balance is currently {$25000.00}. Payments are made early. This company has lost my payments twice, the most recent was XX/XX/XXXX 's payment. I received a past due balance letter dated XX/XX/XXXX. They have applied late fees. I have paperwork from my bank that shows that the check was cashed within a week of my sending it. There is a robocall every day, at least twice a day, regarding this matter. I have called them to discuss this missing payment which they clearly have. They apologize for the inconvenience but charged a late fee. I have paid over {$60000.00} for this loan. 

I also had life insurance for the first few years that started out at {$26.00} which dropped off at some point but my payment didn't decrease and never did find out what that money went for after that.
Consumer complaint received 2018-09-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (SC)

We closed on our home on XX/XX/2018. The SunTrust mortgage was paid off from the proceeds of sale. I have called the bank several times as the lien has not been released. This is affecting my ability to get another loan.
Consumer complaint received 2018-09-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Tate and Kirlin Assoc (AL)

RECEIVED A BILL FRO THIS COMPANY BY THE NAME OF TATE & KIRLIN FOR A XXXX XXXX BILL AND i DON'T HAVE A CLUE WHAT THEY ARE TALKING ABOUT. i DON'T HAVE TIE TO DEAL WITH RUDE PEOPLE WHO TRY TO INTIMIDATE YOU INSTEAD OF LISTENING TO FACTS.
Consumer complaint received 2017-09-09
Product: Credit reporting, credit repair services, 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)

OnXX/XX/XXXX, I began to receive telephone calls from credit card companies and banks looking to confirm my personal details to complete applications for credit cards or other bank services. At this point, I realized I was a victim of identity theft.
I immediately checked my credit reports from the three bureaus, and placed a fraud alert on my profile. I also opened a police report at my local department. 

OnXX/XX/XXXX, I signed up for identity theft services to attempt to protect myself. 

OnXX/XX/XXXX, I was called by a lending company looking to verify my employment. It turned out someone had created a fake ID with all my valid information, including driver 's license number. 

I believe all of the above was the result of the Equifax data leak, as the timing matches with the breach as well as the fact that Equifax is of the only sources that contains all information needed in the attacks that I have suffered.
Consumer complaint received 2017-09-09
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. (FL)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. To have to deal with this with little to no guidance while I am on the road fleeing from a historically massive hurricane is absolutely ridiculous and to know that millions of others potentially have the same issue is absurd. 

This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 

Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Consumer complaint received 2017-09-09
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. (IL)

Equifax hack put my credit and social security number at risk. The solutions offered such as one year credit monitoring and 90 day fraud alert seem insufficient. I have little control over my personal information stored by Equifax but face the negative consequences if something occurred.
Consumer complaint received 2018-09-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (KY)

I had an excellent payment history with Discover card, and in XX/XX/XXXX they raised my limit from {$2500.00} to {$2800.00}. Just 3 weeks later they closed my account simply because a med-ical bill appeared in the collections category.on my credit report. They never gave me a chance to prove that this bill was paid. This ridiculous arbitrary decision by Discover card was totally uncalled for, and they have substantially damaged my credit in the process. I believe Discover card owes me substantial damages for their actions, and any credit card company that does business this way should be shut down.
Consumer complaint received 2018-09-21
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. (IL)

On XX/XX/2018 I wrote to XXXX/XXXX in regards to them saying I owe them {$2000.00}. I requested " validation '' that is competent evidence bearing my signature, showing that I have some contractual obligation to pay them. And on XX/XX/2018 I received a itemized bill instead of evidence bearing my signature. So on XX/XX/2018 I wrote XXXX/XXXX informing them that they have failed to provide me with a copy of any viable evidence, bearing my signature, showing that the account is being reported accurately. I asked them to provide the name, address, and telephone number, of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. And on XX/XX/2018 they sent another itemized bill stating this account in questioned has been " verified ' with no viable evidence bearing my signature showing the account is reporting accurately.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with XXXX, XXXX  XXXX, and XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX 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 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, and XXXX 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 2020-05-28
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my 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, Company Inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc. (CA)

Today XX/XX/18 customers of the student loan refinancing service, Earnest,  received an email from the company outlining a new change to their dashboard. However in the smaller print of the email they revealed that they will no longer allow customers to pay their loans bi-monthly. It has been proven that paying loans bimonthly reduces the overall interest paid and can significantly reduce the life of the loan. Not allowing customers to make payments in this way is 1 ) not beneficial to the consumer and instead benefits the companys profits 2 ) limits the options customers have to make reasonable on-time payments. Paying bi-monthly or more often is a right consumers should have with their debt as it is more financially responsible and reduces the likelihood of loan default.
Consumer complaint received 2020-05-28
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. (NC)

I dealt with Cit 's customer service team. I disputed a charge by XXXX. I received a provisional credit, but the credit was reversed and added back to my account based on documentation provided by the merchant that didn't relate to my circumstance. I sent supplemental documentation to Citi  and Citi  closed my claim saying it wasn't legible. If I would have seen the message to re-provide the documentation, I would have done so, but Citi  sent the notification such that you can only see it when you log in from a desktop browser, rather than the mobile app. As a result, I didn't see the documentation prior to them closing my claim, and now they don't appear willing to help me at all, even though the merchant hasn't provided documentation showing it was a valid charge.
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (MS)

I have sent several letters to Experian, XXXX  and XXXX  to resolve this matter. They continue to report inaccurate address, and misreporting information on my credit report. The accounts continue to report inaccuracies and they are not responding to my disputes
Consumer complaint received 2020-05-28
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: Experian Information Solutions Inc. (MS)

i have submitted several letters to the XXXX, XXXX, and Experian to resolve these matters. i have pointed out the inaccuracies and inconsistencies and they still continue to report on my credit report. Experian and XXXX  claims they verified the bankruptcy reporting on my account. However XXXX XXXX has deleted the item from their report, because they could not properly verify it. i have enclosed the most recent letter sent to them, and the letter from XXXX  XXXX.
Consumer complaint received 2020-05-28
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. (MS)

i have submitted several letters to the Equifax, XXXX, and XXXX  to resolve these matters. i have pointed out the inaccuracies and inconsistencies and they still continue to report on my credit report. XXXX  and Equifax claims they verified the bankruptcy reporting on my account. However XXXX XXXX has deleted the item from their report, because they could not properly verify it. i have enclosed the most recent letter sent to them, and the letter from XXXX XXXX.