davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc. (CT)

I have been receiving phone calls, mostly without a message, sometimes leaving a vague message, from a company called SIMM Associates. I looked this company up and saw they are a debt collector and they identified themselves as such in a message that they did leave. In those messages they have not used my name or any such alleged account they are collecting on, I know for sure I have never done business with SIMM Associates for them to claim I have done any business with them directly. Maybe they dont even want me but want a prior holder of my current phone number ( XXXX ) XXXX. The fact is, if thats the case they need to cease calling that phone number, and if for whatever reason, it is me they want to speak with, Im not interested in doing business with them or entering any kind of agreement with them, and they have violated federal law in the Fair Debt Collection Act, FDCPA 1692 g, in that they have never sent me a debt validation letter and with their calls they are well over the five day directive to send such a letter so that I can demand they validate the debt. Ive read some rather unpleasant stuff about this company online and have XXXX interest in any relation with them. They should at least explain who they are collecting on behalf of and state specifically who they want to collect from, instead of leaving these vague messages that they are a debt collector.
Consumer complaint received 2024-08-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Resolutions Corp. (MS)

I have report the original company XXXX XXXX XXXX as Identify Theft back here when I first notice the item on my report and it was removed, then this company brought a fraud debt from a these company Absolute Resolution Investment, XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed XXXX civil sue against me for a fraudulent account. This is illegal and they are trying to get rich off poor people doing illegal things. I received this summons yesterday XX/XX/XXXX. Please look at my FTC reports filed back in XXXX of XXXX will be attached along with XXXX XXXX XXXX FTC report. I will attach the XXXX report also. And the debt amount is total different from the amount of the original debt collector. 

Complaint Number XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (TN)

Over the last several years I have requested the payment history for payments that I made towards these federal student loans. I got an email finally just a few days ago, from Mohela that says I have an e-message on my account with the information I requested regarding financial activity. I click on the link they provided in the email, enter my login information, and I'm taken to a web page that tells me I no longer have access to this account. Therefore, I do not have access to whatever attachment with the information I requested.
Consumer complaint received 2024-07-08
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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-07
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. (FL)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX  which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

DEAR, EQUIFAX I WOKE UP FRIDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX, XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX,
Consumer complaint received 2024-06-14
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. (NY)

I appreciate you trying to update and repair some of the data on my credit report, but some accounts still need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-14
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. (SC)

I am writing to follow up regarding the continued presence of inaccurately reported late open accounts on my credit report, despite many attempts to have them corrected. As a consumer, I am deeply concerned about the accuracy and integrity of the information contained in my credit report. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies thoroughly investigate and promptly correct any inaccuracies brought to their attention. However, your agency has not fulfilled these legal obligations in handling my case. The ongoing presence of these late open accounts on my credit report has caused significant distress and financial harm. It has negatively impacted my credit score and hindered my ability to access credit and financial services. I appreciate that you would help conducts an immediate and thorough review of my disputes and expedites the correction of the late open accounts on my credit report. Furthermore, I request written confirmation detailing the steps taken to address this matter and the resolution thereof. Please help me correct these accounts immediately : XXXX XXXX Balance Owed : {$4300.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00}.
Consumer complaint received 2024-02-19
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am filing a complaint against Bank of America regarding their failure to respond to my dispute. On XX/XX/2023, I mailed a dispute letter to Bank of America, addressing inaccuracies they are furnishing to the credit bureaus. Despite the statutory requirement for furnishers to investigate consumer disputes and provide a response within 30 days of receiving the dispute, I have not received any communication from Bank of America regarding the outcome of their investigation. 

As per the Fair Credit Reporting Act ( FCRA ), it is imperative for furnishers like Bank of America to promptly address consumer disputes to ensure the accuracy of credit information. However, Bank of America has failed to fulfill their obligations under the FCRA by not responding to my dispute within the stipulated timeframe. 

I am including a copy of my dispute letter sent to Bank of America to demonstrate the efforts I have made to resolve the errors on my credit report. Despite my attempts to engage with them, Bank of America has not provided any response or taken appropriate action.
Consumer complaint received 2024-07-08
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. (CA)

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : In cases where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable time-frame. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments. 

I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

TransUnion has simply removed, reduced and completely taken away my access to view, document and dispute runaway issues on my credit report after contacting them numerous times. Its like the second I mentioned I was affected by the recent data breaches it became instantly having my access suddenly removed and forcing me off my account while in a ongoing support call. I would like to mention this is after I already verified myself multiple times in the same day is outrageous. Currently I am not able to obtain a credit report from them due to a system error, I am not able to dispute anything on my declining credit score despite ACTIVELY paying on my loans and debts which in turned are marked as missed or late payments further damaging my score. Due to a system error I am not able to do anything useful what so ever. For a credit bureau to behave like this because I am actively complaining about things I am paying on does not warrant this kind of treatment. I would like to have access to all of the features restored on my account.
Consumer complaint received 2024-09-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC. (CO)

This is an ongoing dispute. The electronic/online inforation concerning my payments submitted, payments which have been made, and the accrual of interest penalites are all messed up. 

For example, I made a payment on XXXX and the electronic information I received back listed the payment as being made XX/XX/XXXX ( photo evidence provided ). 

When I go online to see when next payments are due, the statement reads the previous month 's data, not this month ( photo evidence provided ). 

I pay early, but I believe- because I do so, my payments are incorrectly listed as being me attempting to pay down the loan- the payments are not applied to that month. This results in my being unfairly charged exorbitant interest fees.
Consumer complaint received 2024-08-07
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: Experian Information Solutions Inc. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-07-08
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. (NJ)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-08
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. (MN)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items.
Consumer complaint received 2024-09-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO. (NY)

Chase moved the date of my loan origination to XX/XX/2022. I did noy close on this until after this date! The papers were not on file with county of XXXX for the sale until the XXXX and I even checked with sales that I did NOT buy this home until after XX/XX/XXXX date. They are probably stealing millions in extra interest payments form customers this way!
Consumer complaint received 2023-03-14
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. (IL)

Dear Sir/Madam, I am writing to dispute several inaccurate items on my credit report. After reviewing my credit report, I have identified several negative items that are harming my credit score. The following items are incorrect and must be deleted from my report immediately : XXXX XXXX  Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. According to the Fair Credit Reporting Act ( FCRA ), you are required to update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX - This is not my name. According to the FCRA, you must delete it immediately from my report. 

The following personal information is incorrect Account Number : XXXX XXXX XXXX # XXXX XXXX, WI XXXX XX/XX/XXXX - This address is not correct. According to the FCRA, you must delete it immediately from my report. 

The following personal information is incorrect Account Number : po box XXXX XXXX, IL XXXX XX/XX/XXXX - This address is not correct. According to the FCRA, you must delete it immediately from my report. 

XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. According to the FCRA, you are required to update this account and delete the inaccurate information immediately. 

XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that you remove it from my report immediately. According to the FCRA, you are required to investigate and verify the accuracy of this inquiry. 

I request that you investigate these items and take action to correct the inaccuracies on my credit report. I expect a prompt response from you within 30 days of receiving this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: First Federal Credit Control, Inc. (FL)

I received a notification from XXXX via email notifying me a new account was added to my credit file. After investigating I saw XXXX XXXX notified the credit reporting agencies I had a debt. And I did a skip trace and they couldn't find me. So I was never notified of the debt or given a chance to dispute.
Consumer complaint received 2024-09-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Affirm Holdings, Inc (NY)

I am writing this letter to inform you about the fact that Affirm Inc. has continuously violated me and has caused me severe damages and injury. According to my records Affirm Inc. has been notified by me numerous times regarding ACCOUNT # XXXX. I have instructed Affirm Inc. to Cease all communications on XX/XX/XXXX, in writing through certified mail tracking number # XXXX XXXX XXXX XXXX XXXX XXXX. 

In the written correspondence I, notified Affirm Inc. about the fact that I demanded Affirm Inc. to cease all communications. Affirm Inc. continued to communicate through consumer reporting agencies like XXXX by reporting adverse information and reporting information known to be inaccurate, incomplete and unverifiable. 

Due to their negligence and misconduct, they have violated the cease and desist from XX/XX/XXXXXXXX  and numerous Fair Debt Collection Practices Act violations. their misconduct and illegal Debt parking practices have also caused them to violate the Fair Credit Reporting Act as they have failed to respect my right to privacy and have been reporting false, unfair and biased information. 

According to my records Affirm was again notified by me in written via certified mail tracking # XXXX XXXX XXXX XXXX XXXX XXXX about my notice of dispute again informing them about the fact that I was once again disputing the alleged debt and demanding a proper verification of the alleged debt. Affirm Inc. again continued to ignore me and misrepresent information by reporting alleged unverified debts to consumer reporting agencies without my consent. 

At this point my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act have been violated causing me mental anguish, stress, XXXX, loss of companionship, loss of opportunity and credit denials. 

At this point I have been forced to file for arbitration to be properly heard and redress my injuries. This notice serves as evidence of my filing for Arbitration as required. Attached are the filed documents with XXXX.
Consumer complaint received 2023-04-11
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: Upgrade, Inc. (GA)

Please furnish written proof and documentation of where I was provided assessed a late fee to the account which I never received that precedes and notifies a consumer in-advance prior to a 30 day late being placed on a consumers credit report. I never received nor was assessed with any late fee and or any past due notice from this company. The account is current and was current on as of XX/XX/2022 billing cycle therefore the 30 days late is inaccurate information being reported on my credit bureau file and should therefore be deleted from my credit bureau file. Please remove the late payment or delete the account XX/XX/2022 inaccurately reported a 30 Day Late {$680.00} XXXX Loan # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose