davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-09
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Elite Financial Services, Inc. (VA)

Due to unforeseen circumstances, I found myself in need of a XXXX XXXX title loan that was acquired in XXXX. By XXXX, my car was repossessed due to non-payment of the title loan within 45 days. During this period, I was transitioning between residences and faced challenges like misplacing my phone. Despite the lender 's claim of attempting contact through emails, mailing addresses, and phone calls, I regrettably never received any messages. They also mentioned reaching out to my references, who, to my surprise, never informed me about any communication attempts. 

The sudden repossession of my car left me in a state of urgency. Initially informed of an amount around {$1000.00}, which I managed to gather promptly, I later discovered that the outstanding sum had escalated to {$1900.00} within a day. Unable to meet such a steep demand, I inquired about refinancing or adjusting the loan terms, only to face refusal and a lack of transparency from the lender. Consequently, my vehicle was sold, exacerbating my hardships and leading to the threat of eviction. 

The absence of my primary mode of transportation has substantially impacted my work commute, further straining my financial stability. Despite my willingness to honor even a reduced monthly payment of {$62.00} or receive adequate communication regarding the loan default, I have been left in a distressing and uncertain situation. It is imperative that my rights as a borrower are upheld, and I seek fair treatment and resolution in this matter.
Consumer complaint received 2022-01-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc. (OR)

Received a letter from a debt collector ( Management Services XXXX ) regarding an account with XXXX XXXX XXXX XXXX NCB Management Services purchased this account. Letter states as of XXXX XXXX, 2021 I owed XXXX. 
Never dealt with either company. The XXXX & phone number used to obtain the account is not mine ( or anyone I know ). I have filed a fraud report with local PD ( Incident # XXXX. 
The debt is NOT MINE!
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

Reporting Equifax for complete Mix-up of my credit file over last 3 years and more. As of now I still have multiple people being reported into my file incorrectly. Called Equifax multiple times starting XXXX XXXX and spent hours waiting to be connected, agents were not able to provide accurate insights on how the information is incorrect on my file with multiple names, addresses, accounts and mortgage being reported. I asked them to setup a flag to notify me for any such changes which they say they did but I never received any notifications.

After doing my own research I put in my first dispute request on XX/XX/XXXX XXXX. Provided all personal documents they asked for on their dispute form. It never received any response in 6 months. I followed up twice in that duration. More inquiries kept adding on my profile in the meantime. 

Second dispute request was filed on XX/XX/XXXX XXXX ; after I had a call with agent and made sure they will treat this dispute with care and make changes. They provided comfort over call that they will take necessary actions but I still see tons of incorrect information shown on my credit history.

After spending so much time and energy to fix a mess I didn't make ; I am still in mud left with a large chunk of my credit used with none to use for myself. The entire credit bureau system needs an overlook.
Consumer complaint received 2024-06-20
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-03-10
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. (GA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-06-20
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. (FL)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX  XXXX ( XXXX ) XXXX XXXX XXXX ) XXXXHas violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-06-28
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)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

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 2024-07-16
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 XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 ( MONTHS REPORTING 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 XXXXXXXX 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 2024-06-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$490.00}
Consumer complaint received 2024-07-07
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: Customer Service Mortgage Corporation (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-05-27
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-06
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: Porania, LLC (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-06
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: Porania, LLC (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-09
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Capital Accounts, LLC (NY)

I GOT AN ALERT ON MY XXXX ACCT THAT SOMEONE USED MY INFO TO OPEN A CHECKING XXXX  XXXX reported a new account on your XXXX  Credit Report. 
XXXX XXXX reported a New Bank/Credit Card to your XXXX  Credit File . 

Source : XXXX XXXX : XXXX  XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX Phone : ( XXXX ) XXXX Balance : {$0.00} WHAT NOW? 

Get transaction alerts and track spending on your new account with our free Personal Finances tool!
Consumer complaint received 2024-07-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Education Principle Foundation (MN)

I went to Art Institute from XXXX, the school falsely projected likelihood of success after graduation including expected income and job placement along with job placement services that we'd be privy to in our last semester and after becoming alumni. I have already had my federal loans forgiven because of this, there was a nationwide case over this. I have spent the last 14 years in financial hardship unable to find work in the field of my study due to Art Institute 's rampant and irresponsible over promises and under deliveries. Art Institute released a plethora of under educated artists into multiple fields to compete against competent art student graduates from other institutions which made finding jobs in our own fields impossible. At the end of XX/XX/year> to beginning of XX/XX/year> I found and filled out a XXXX page application that was called a School Misconduct Discharge application, which sounded like it covered exactly the situation I was in. I spent days filling it out, cited sources, including the literature I had that falsely projected their income and job placement statistics. About a month later, I got emails saying my application was being denied with no specific information as to why. Even with knowing at this point despite the misconduct of the school, I have paid the principle amount I have borrowed, although with their structure almost all the money I have paid has been going to interest doing little to whittle down the amount I owe. 
At the time of the application these were the numbers I calculated involving my loans through XXXX ( Formerly XXXX ) Total Borrowed between all XXXX loans : {$28000.00} Total Paid between all XXXX loans : {$42000.00} Total Still Owed : {$36000.00}
Consumer complaint received 2024-07-01
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: Nevada Professional Collections Texas (TX)

I HAVE HARD INQUIRIES THAT I DIDNT NOT AGRRE TO NOR HAVE KNOWLEDGE OF WITHOUT MY CONSENT THAT CAUSED MY VREDIT TO DROP IN A BAD SPARROW AND I NEED TO GET THEM ALL WIPED AWAY ASAP BECAUSE OF HINDERING ME FROM THINGS I CANT POSSIBLY DO SUCH AS GET A HOUSE OR A VEHICLE IVE BEEN TRYINGBTO GET YHIS UNDER CONTROL FOR THE LAST FEE YEARS NOW THAT I HAVE THE RIGHT RESOURCES AND TOOLS ILL LIKE TO CARRYON ON GETTING MYBTHINGS IN ORDER FOR OTHER PARTNERSHIP TO MAKE MY LIFE BETTER HOW I PLANNED IT.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-06
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: Financial Filing & Reporting, Inc. (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Consumer complaint received 2024-07-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GMA Investments, LLC (WI)

I received a call on XX/XX/XXXX from a company called summit rXXXX XXXX. They claimed I owed them about {$1000.00} for a loan from XXXX XXXX. XXXX XXXX has never given me a loan. I have applied for loans with them, but was denied. I'm guessing that they had a customer that didn't pay and they couldn't find them, so they put my information in the application in an attempt to try to bully me into paying someone else 's debt. They claim the debt is from XXXX, but I have no collections in my credit report. The guy was a real jerk and I don't want him tying up my phone line with his stupidity.
Consumer complaint received 2024-06-24
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. (ID)

I am writing to dispute the accuracy of unauthorized inquiries currently reported on my credit report. This communication constitutes my Round XXXX dispute under the Fair Credit Reporting Act ( FCRA ) for the following inquiries : Inquiry Information : Inquiring Company : XX/XX/XXXXDate of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXXDate of Inquiry : XX/XX/XXXX Inquiring Company : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company :XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXXDate of Inquiry : XX/XX/XXXX Inquiring Company : XX/XX/XXXX Date of Inquiry : XX/XX/XXXX Inquiring Company XX/XX/XXXXDate of Inquiry : XX/XX/XXXX Inquiring Company : XXXXXX/XX/XXXXDate of Inquiry : XX/XX/XXXX
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING 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.

This company 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.