davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am writing to formally dispute inaccurate information that is currently being reported on my credit file. The information in question relates to a collection from CCS Collections with an alleged balance of {$150.00} and a status of paid, which I did not make any payment toward this debt collection agency.

This collection is not only inaccurate, but it also violates several provisions of the Fair Credit Reporting Act ( FCRA ), specifically under : 1. 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure the maximum possible accuracy of the information included in consumer reports. In this case, the collection account is inaccurate and should not be reported as paid when I have not made such payments.

2. 15 U.S.C. 1681i ( a ) ( 1 ) : I am formally disputing this item, and I am requesting that you investigate the validity of this debt. As required by law, I expect this investigation to be completed within 30 days. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), the collection agency is also prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt, which appears to be the case here. 

I request that this collection be removed from my credit report immediately as it is inaccurate and misleading. Please provide me with a written confirmation of the deletion of this item from my credit report. If this item can not be verified, it must be deleted under the law. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that this error has been corrected.
Consumer complaint received 2020-05-18
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (VA)

I filed a dispute with the credit reporting agencies reporting inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I had my credit ran today XX/XX/20 because I'm in the process of buying a house however, I was told that I would not qualify for a home loan due to having accounts with negative history appearing on my credit. I wasn't aware that these accounts were on my credit report because I didn't open any of them. The accounts are from these companies. XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX & XXXX. I do not have any written or verbal contract with any of these companies nor did I ever allow them to access my credit. I did not gain anything from these accounts that were opened in my name without my permission and I did not make any payments towards any of these accounts. I have filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.
Consumer complaint received 2024-10-12
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. (CA)

Credit Bureaus are not reporting accurately. i called them and sent in my Identity theft report and verification from all third parties located on all three bureaus on my credit report, that they could not provide original contracts or signatures or provide proof of debt. I was nowhere to be located there for these things listed on my credit are false and need to be removed. Therefore by law have to be removed from my credit report. All collections need to be removed under 15 U.S.C. 16929c ) ( g ), All charge offs need to be removed under 15 U.S.C. 1601 15U.S.C.16819 ( c ) 2, ( e ), ( i ), All late payments need to be deleted 15 U.S.C. 1666 ( b ), 15U.S.C 1637 ( a ), all car repos need to be deleted 15 U.S>C> 1681 ( s ) 2 and all Hard inquiries need to be deleted 15 U.S.C. Code 1681 ( n ) the items that need to be removed are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or more of these companies violate the Fair Debt Collection Practices Act 15 U.S.C section 1692, et seq the FDCA, The California XXXX Fair Debt Collections Practices Act Cal. Civ. Code section 1788, et esq the XXXX XXXX
Consumer complaint received 2024-10-12
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. (NY)

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 2020-05-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

I have an issue dealing with a merchant through Paypal. I have attempted to resolve thie issue directly with the merchant and he refuses to respond. I was able to dispute some of the charges but not all of them due to them exceeding the 180 day mark. Now please read this part as it s important. There were payment installments made on one single invoice which is Invoice XXXX from unluckydinobear. Some of those charges can be disputed but others can not. Can you please dispute the entire invoice as it was only recently paid off back in XX/XX/XXXX? There are a few disputes already open with paypal so please refer to those.The total on the invoice is {$1300.00}. XXXX. 

XXXX and Invoice XXXX All of these charges are for the same product on the invoice which totals XXXX. These " indisputable '' charges '' date back from XX/XX/XXXX to XX/XX/XXXX. I was able to dispute the ones from XXXX. 

Paypal will not assist me in getting a refund despite the merchant not complying and the charges being attached to one invoice. XXXX XXXX will not assist me in this matter either despite me filing a complaint through their ACH dispute department.
Consumer complaint received 2020-05-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Alorica Inc. (DC)

This is affiliated to complaint ID : XXXX In the letter received via the CFPB and XXXX XXXX, Escalated Complaint Specialist, it says my statement types were " The statement type was changed from None to Paper on XX/XX/2020, which would have started the paper statements on XX/XX/2020. However, because the system is down, it can not currently generate the paper statements. It is currently being fixed but we do not have an estimated time for its reinstatement. Attached is a copy of your payment history while being serviced by SST. '' I was told by SST that they could send me a statement via mail, but as they indicate their system is down ... so its been down for over 3 months now? 

They also failed to answer my question which was why can't we get access to our statements online? It seemed to me that SST doesn't have a mechanism in place to provide XXXX customers with a statement online through my account web portal. Whenever I click on statements, its always said since account inception, that my account doesn't have the ability to provision account statements online. This is why I called SST in XX/XX/2020 to tell them about this issue and ask why this was the case. This should be fixed as this is not normal market practice.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

This is an addendum to Complaint # XXXX. 

I subsequently saw that Equifax had changed my name and address to a XXXX XXXX XXXX XXXX XXXX XXXX Florida. Obviously the " collection account '' is his which resulted in my previous complaint that you guys closed for some reason. I need my credit account corrected, and my credit score restored to XXXX.
Consumer complaint received 2020-05-18
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WY)

Equifax and XXXX are reporting incorrectly that I am ( 120 ) days late on the DEPTEDXXXX partial account numbers XXXX and XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2020-05-18
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I filed a dispute with the credit reporting agencies reporting inaccurate information on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020 and the 30 Day demand to comply was sent on XX/XX/2020.
Consumer complaint received 2020-05-18
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I made an online hotel reservation in XXXX XXXX on XXXX XXXX for a non refundable hotel stay on XXXX XXXX XXXX using my capital one credit card. As the advisory started not to travel abroad due to covid-19 I tried reaching out to the hotel for my options. Since the hotel was not responding I put in a dispute with capital one credit card services. Capital one issued a credit on my account on XXXX XXXX. On XXXX XXXX I received a credit reversal from capital one on my statement stating the hotel provided them proof and if I did not agree with the decision I should provide supported documents. I faxed over 3 sets of proof. I sent capital one 1. An email from the hotel to me that they will provide a refund on XXXX XXXX. 
2. I provided a snap shot of the hotel website where it states they are closed do to covid-19 as of XXXX XXXX XXXX ( my dates of stay were XX/XX/XXXX, -XXXX   XXXX the hotel closed their doors ) 3.  A follow up e mail from the hotel on XXXX XXXX where they stated they changed their mind and will not provide an email. 
At that time capital one took all my information I provided them and agreed with me and credit my account for the hotel stay. Fast forward to today XXXX XXXX they removed my credit on my account And said the hotel provided me with a voucher and that was good enough for capital on credit card services and as far as reopening my dispute will not be possible. I never received a voucher, or or canceled my reservation with the hotel. The hotel canceled on my reservations and capital one does not protect or provided services to their clients which is me. I would like someone to please take a look, the way capital one handles disputes and why I the consumers have no rights and the hotel can do as they please and change the terms as they go along.
Consumer complaint received 2024-10-12
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)

In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

This complaint is to serve as part of an official legal statement for the request to get a compromised, fraudulent account removed from my credit file reporting to EQUIFAX. The private investigators that I have hired have supplied me and law enforcement with suspect evidence including some of the transactions that were used with my identity and credit card information. I have included that enclosed in the documents. The Identity Theft and Fraud is so blatant that some of the transactions erratic, in multiple geolocations and even flights to different cities. Suspect names listed in the charges and provided to me as evidence. 

I have also included FTC letter requesting to block the Data Furnishers - fraudulent data also a Police Report & Identity Theft Report. Per FCRA guidelines I have supplied this CRA with all the documents necessary to abide by Section 605B of the FCRA. All other CRA 's have abided by the regulations and Identity Theft guidelines. Equifax has delayed in getting this done and this is blatant violation of FCRA law. Additionally, to make matters worse I have received official confirmation from the FTC - Equifax Data breach eligibility tool that my identity/credit information was compromised in the 2017 data breach. 

I have re-filed the dispute process on Saturday, XX/XX/XXXX. This is the 4th time I've tried to get this fixed. 

This has all has been a significant emotional turmoil that has now affected my health and I have medical evidence of such. Please get this corrected as soon as possible. 

Last important note, this is now a civil case and I will be pressing charges against the individuals responsible for using my data. I will not stop, until this is fixed.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MS)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2020-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Consumer complaint received 2024-10-12
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. (CA)

These companies pulled up my credit report without my authorization and this has hurt my credit and credit score. I have contacted the bureau and the representative said they would be removed but I still see them on my credit report. These fraudulent and unauthorized inquiries are making me anxious for I might be already a victim of identity theft adding unnecessary stress to my life on top of hurting my credit score.
Consumer complaint received 2020-05-18
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (CA)

In 2016 I was in an accident in my finances XXXX through schools first credit union. I was having issues with 2 insurance companies and it took a while for the pay off to get authorized. Schools first was aware of the issue but still chose to charge off debt on my credit report, with a pending payment. I made an agreement with the attorney that works for Schools First, that instead of the charge off and repossession of a totaled car I would be sure the insurance company paid them in full, and the charge off was to be removed. Schools First is now refusing to remove the charge off on my credit report.
Consumer complaint received 2024-10-12
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. (CA)

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries 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 2020-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (MA)

Enhanced Recovery Company is illegally reporting on my credit bureaus under their own name as opposed to the name of the original creditor in violations of : 209 CMR 18.17 : Unfair Practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of 209 CMR 18.17. 
( 11 ) For a debt collector to report to a consumer reporting agency on its transactions or experiences with a debtor in the debt collectors name. 

They were notified of their illegal actions XX/XX/XXXX. They removed their listing from my credit report XX/XX/XXXX. 

In XX/XX/XXXX they reinserted their listing without my permission in violation of the FCRA. The I sent them a 93A Demand notice XX/XX/XXXX informing them of their illegal reporting, re-insertion requesting the removal from my credit report and requesting full validation of their claim ( including Proof of Assignment the contract showing they purchased the alleged debt ). 

On XX/XX/XXXX they replied with statements from a different creditor only. However, their validation failed to show that they owned the account or that I owed them a debt in anyway. Their reply also in no way recognized the fact that they are continuing to violate federal and state law in attempts to collect upon this debt illegally.