davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
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 account Experian several times for over a year disputing the ownershio of an XXXX XXXX. Experian is systematically and fraudualently continuing to report this account information to bring harm to my name. I would like the computer fraud to stop. Experian is collecting money from companies like XXXX XXXX at any cost. Please stop.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX account ( Account Number : XXXX ) - I am disputing all information being reported to credit reporting agencies regarding the XXXX XXXX XXXX account ( Account Number : XXXX ). The report lists a balance of {$2300.00}, a balance updated on XX/XX/XXXX, an original balance of {$2400.00}, an account opened on XX/XX/XXXX, status collection account, {$2300.00} past due as of XX/XX/XXXX, and responsibility individual. The original creditor is listed as XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), only accurate and verifiable information should be reported. I am disputing the validity of this debt in its entirety and the listing of XXXX XXXX  as the original creditor. Please investigate this account and remove the incorrect details. If the information can not be verified, it must be deleted per FCRA Section 611. Please investigate and review all and any recent statements and payment records, including the most recent credit report.
Consumer complaint received 2023-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

FALSE/INACCURATE INFORMATION I reviewed my credit report today and noticed there is some incomplete and inaccurate information being furnished by XXXX XXXX XXXX. On my consumer report, you are describing this account type as a loan when in fact, this alleged arrangement is acknowledged by the governing laws as a credit sale. There is not now, or have never, been a loan agreement in place. Under any premise were goods or money loaned to me, the alleged debtor. It is a direct violation of FCRA to knowingly furnish or report false and incomplete information. Please delete this item within the allowing timeframe pursuant FCRA. ACCOUNT NUMBER XXXX Failure to comply with these demands will result in a formal civil and/or criminal complaint being initiated. Please mail an updated copy of my credit report to the above listed address upon removal of violating information.
Consumer complaint received 2024-07-03
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. (WI)

In accordance with the fair credit reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy an confidentiality under 15 USC 1681. 

I told XXXX, XXXX, an Equifax to reinvestigate these accounts. 

XXXX XXXX XXXX  Account number XXXX XX/XX/XXXX XXXX  XXXX Account number XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX 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 2015-07-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA (MD)

I had to get private student loans for each year of college because I did n't qualify for federal student loans. Upon graduating and shortly thereafter the loans coming into repayment, I could n't afford them and defaulted. XXXX were n't being flexible with me and I never could catch up. Now my credit is terrible, I ca n't get anything in my name just because I went to school to better my future.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (LA)

I am writing to dispute the following information in my file. I have reviewed my credit report and found the following items to be inaccurate and/or incomplete : 1. XXXX XXXX XXXX XXXX The information reported about this account is incorrect. Specifically incorrect balance, and incorrect dates .According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and remove any inaccurate information within 30 days. Please send me written confirmation that these corrections have been made, as well as a copy of my updated credit report.
Consumer complaint received 2024-07-01
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. (MO)

I appreciate you taking the effort to CORRECT some of the data in my credit report, but one account still has to be repaired. The three credit bureaus are required to verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( A ). I'm hoping the disputed account will be corrected right away. 
XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NE)

My account with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX XXXX XXXX XXXX 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 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 months that are reported late to be removed. 

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

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


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I am writing to express my deep concern regarding several disputed accounts on my credit report. Despite multiple attempts to address these inaccuracies and request thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file, hindering my ability to lead a normal life, and causing immense hardships. 

The negative impact of these inaccuracies has been profound, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a comprehensive investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. 

With your help, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-07-03
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. (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 inructions 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.

These are the inquiries which should be off from report. 
XXXX XXXX XX/XX/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 2024-07-03
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. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-07-03
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. (AR)

I hope this message finds you well. I am writing to follow up on my previous request for assistance. As mentioned earlier, I have already provided all the necessary documents to address the issue regarding the item that does not belong to me.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My account with XXXX was never late! I have had exceptional payment history with 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  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 2024-07-03
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. (GA)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2023-11-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO. (FL)

In your letter dated XX/XX/XXXX you stated after you provided proof that you had acquired insurance coverage yourself we canceled the insurance we got for you and sent any refunds of the premium you pay to your escrow account 1. Please send me a copy of the letter the insurance copy that you received showing I had insurance from XXXX through XXXX with the same company you failed to provide that in your prior explanation when doing an investigation you must supply the homeowner with the investigation the documents you acquired how you corrected your error you failed to do that in this letter dated XX/XX/XXXX you're obviously trying to avoid the obvious. Also explain why you think returning a check for {$2200.00} in XXXX of XXXX and foreclosing on the homeowner and taking their house away makes them whole. 
This check was payable to XXXX XXXX but you stopped payment on the check I want to know who gave you those instructions to put a stop payment on the check who the check was issued too I want a front and back copy of the check to see who benefited from my money You violated the law because you had 30 days to do the investigation come to a conclusion tell the homeowner you made a mistake and correct the escrow account you chose to break the law and wait five years the homeowner suffer because you failed to follow the law? 
1024.35 Error resolution procedure Your servicer must generally confirm it received your letter within five business days and respond with an answer within 30 business days.
Consumer complaint received 2024-07-03
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. (CO)

XXXX XXXX XXXX Has a false collection account on all 3 of my credit reports I have disputed this collection agency multiple times. Ive asked for a contract for service of goods or merchandise or any contract that I committed to. The company has not sent me a contract where I signed to pay them for service of good or merchandise. The company has defamed me by saying I owe money to XXXX XXXX for years. I do not have a debt with XXXX. I have not previously had a debt with XXXX. I have attached my XXXX  billing with the XXXX letter head and the website listed below. I have no bill with XXXX I have a XXXX balance with XXXX. I do not owe this company money Ive never entered into an agreement with this company. But XXXX, XXXX, and Equifax refuse to delete this degradable information from my credit report which has caused great hardship. The screenshots also have date details in the screenshot
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (WI)

There is a bankruptcy reporting on my credit file that is very old and doesn't belong on my report. 

Also my name is NOT correct, I have sent in my ID 's and still nothing has changed. My credit file should reflect XXXX XXXX Please help
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I recently disputed XXXX XXXX XXXX, to be removed from my credit report. It was removed and then re-added. This alone violates my rights under the FDCPA. Accounts removed should not be re-added. This account does not belong to me and should not be on my report as I am a victim of Identity Theft.
Consumer complaint received 2024-07-03
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. (AR)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Despite my repeated efforts to resolve the issue of fraudulent, inaccurate, and misleading information on my consumer report, the problem persists. These entries have severely affected my life, causing considerable stress. I emphasize that I did not authorize or consent to this information being associated with my name, as I am a victim of identity theft.
Consumer complaint received 2024-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (NJ)

On XX/XX/XXXX, my parents and I made payments towards my student loans of {$9000.00} & {$640.00} to pay off two loans ( XXXX {$7600.00} and XXXX {$2000.00} ). This was done directly on EdFinancial 's website which allowed me to APPLY my payments directly to these two loans. In a chat with a representative, she confirmed that loan XXXX was paid in the full and also confirmed the balance was reflective as follows : You applied {$2000.00} confirmation number XXXX to XXXX XXXX. 

However- no where on their website nor when I speak/chat or email with anyone is this money actually showing!! When I inquire, I am being told that this payment is going to be handled as a 'cancellation payment ' because this loan was disbursed within the past 120 days. According to my records ( FASFA ) this loan was actually disbursed to my school on XX/XX/XXXX ( this equates to 147 days in-between, well beyond said 120 days ) As of today, Loan XXXX now has a balance of {$2000.00} - as it is continuing to accrue interest at the high rate of 5.5 % ( which is why i wanted this loan paid off ). Upon my inquiry, this loan was at {$2000.00}... 

I am humbling asking for your assistance, my mom & I have spent all week trying to get this resolved and are getting no where. 

I am attaching screenshots of my online account as well as my chat conversation & do have 2 emails if needed. Thank you for your help in this matter!