davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
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. (VA)

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 XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-07-25
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)

They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other purpose.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OR)

I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a XXXX  for that because my cards will just get declined due to my credit score being low with all these wrong information.
Consumer complaint received 2023-10-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MA)

I applied for the SAVE program in XXXX and received and email from the student aid website saying that they received it and my loan servicer would be in contact. I then received an email from Nelnet a few days later saying they received my application and they were reviewing it and theyll update me and contact me if theres any additional information that is needed. I never received information or a status update after that. I did however receive multiple emails from Nelnet saying that my payment would be due soon. A few days ago, on XXXX I received a bill from Nelnet ( 12 days before the due date even though according to the student aid website, we would receive bills at least 22 days before which clearly didnt happen ). I then tried to contact Nelnet and no one picked up the phone, I called again the following day and was on hold for about 3 hours! I explained the situation and was told that the reason I never an email regarding my application status is due to the fact that I didnt set up e-correspondence which makes no sense because I was receiving other emails from them. The rep then told me that they sent out a letter on XX/XX/XXXX ( which I never received ) that explained that they couldnt process my application because there was missing information. Again, all information that I never knew of. The rep told me she would be in an admin forbearance so that I could send all the documentation that is needed but she told me once I sign up for emails I would start receiving updates about my payment repayment status ( being in forbearance ). I checked Nelnet today and seen that I am now in forbearance but i never received an email stating that which I was told I would. I am beyond angry at the lack of professionalism and the fact that Nelnet is dropping the ball and not doing what theyre supposed to do. This is extremely unacceptable! Ive uploaded screenshots.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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 2024-07-25
Product: Credit reporting 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)

On XX/XX/year>, I request my free Annual Credit report at Annualcreditreport.com and provided a copy of my drivers license and proof of address. XXXX and XXXX both provided me with copies of my credit report, but Equifax has refused to provide me with a copy stating the company couldn't locate a credit file with the identification number that was provided. Initially, XXXX refused to provide me with a copy on XX/XX/year>, and accused me of using a credit repair company, although I provided a copy of my drivers license and proof of address. I will attach copies of those stall letter to this complaint. Lastly, I disputed the accounts with XXXX XXXX and XXXX XXXX. Neither collection agencies have provided me with documentation proving that they have the legal right to collect from me. I'm requesting a reinvestigation. Both creditors have violated the FCRA.
Consumer complaint received 2024-07-25
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. (MO)

I am filing this complaint against Equifax for their blatant disregard of my rights under the Fair Credit Reporting Act ( FCRA ) and their failure to respond to my legitimate dispute regarding unauthorized credit inquiries on my credit report. 

Background : Date of Dispute Submission : XX/XX/XXXX Method of Dispute Submission : Mail Date of Credit Bureaus Acknowledgment : NONE Number of Days Since Dispute Submission : 35 Days Details of Dispute : On XX/XX/XXXX, I submitted a formal dispute to Equifax regarding several unauthorized credit inquiries that appeared on my credit report. These inquiries are as follows : Creditors Name : XXXX XXXX - Date of Inquiry : XX/XX/XXXX Creditors Name : XXXX XXXX XXXX  XXXX - Date of Inquiry : XX/XX/XXXX Creditors Name : XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX Creditors Name : XXXX XXXX XXXX   XXXX - Date of Inquiry : XX/XX/XXXX Creditors Name : XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), I requested the credit bureau to provide documentation verifying the permissible purpose of each inquiry or to remove them from my credit report if they were unauthorized. 

Non-Compliance by Equifax : Despite the clear requirements under the FCRA, Equifax has : -Failed to Respond : I have not received any response or acknowledgment from Equifax regarding my dispute within the legally mandated 30-day period.

-Failed to Remove Unauthorized Inquiries : The unauthorized inquiries remain on my credit report, adversely affecting my credit score and overall financial health. 
-Violations of the Fair Credit Reporting Act : Equifax has violated the following provisions of the FCRA : -15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : The agency must conduct a reasonable investigation and provide a response within 30 days.

-15 U.S. Code 1681b ( a ) : The agency must ensure that only permissible purpose inquiries are included in a consumer 's credit report.

Impact on Me : The unauthorized inquiries have caused significant damage to my credit score, limiting my ability to obtain credit and increasing my financial stress. The failure of Equifax to address my dispute has further exacerbated this issue.

Request for Action : I respectfully request the CFPB to : -Investigate the non-compliance of Equifax with the FCRA .

-Mandate the immediate removal of the unauthorized inquiries from my credit report.

-Impose appropriate penalties on Equifax for their failure to comply with the FCRA .

-Ensure that I receive written confirmation of the removal of these inquiries and an explanation for the delay in responding to my dispute. 
-Attached to this complaint are copies of my original dispute letter Thank you for your prompt attention to this matter. I look forward to your swift action to rectify these violations and protect my consumer rights.
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

My husband I both had vehicles from XXXX XXXX They both broke down at the same time and at the time it was cheaper to fix my car so we did a voluntary repossession on my husbands truck. We took the truck back on XX/XX/XXXX. When they went to do the paperwork, they filed the paperwork for my car instead of my husbands truck. I told them the issue and they said they fixed it and it should not hit my credit. Two weeks later, my credit went down almost 100 point and is showing a repossession on my car. I called and they said that it was not their fault and they would not fix the error.
Consumer complaint received 2024-07-25
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. (NC)

They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other purpose.
Consumer complaint received 2024-07-25
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. (KS)

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 2023-03-25
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: Experian Information Solutions 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 # XXXX, Account name : XXXX 's # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX  XXXX XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX 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 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 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MI)

I recently looked at my consumers report and noticed an account with inaccurate information. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this account for full accuracy. the account in question is XXXX. ( XXXX XXXX  account number xxxxxxxx )
Consumer complaint received 2024-09-25
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. (GA)

Complaint Against : Equifax XXXX Account Numbers : XXXX XXXX Details of the Complaint : I am writing to formally dispute two collection accounts reported by XXXX XXXX XXXX XXXX XXXX, with account numbers XXXX and XXXX. Despite my repeated requests for validation of these debts, the company has failed to provide any proof that these debts are mine. 

On XX/XX/year>, I sent letters to both Equifax and XXXX via certified mail requesting an investigation into these accounts. Over 30 days have passed, and I have not received any response from either credit bureau. Additionally, I have filed two complaints with the CFPB regarding these accounts, but the company has not responded to my requests for validation.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any inaccurate or incomplete information on my credit report. The FCRA mandates that the burden of proof lies with the debt collector to provide documentation verifying the debt. If the debt collector can not provide this documentation, they are required to remove the disputed information from my credit report. 

Furthermore, I was never notified about these debts before they were placed on my credit report, which is a violation of my rights under the FCRA. No one contacted me regarding these debts, and I was not given the opportunity to dispute them before they were reported. 

Requested Resolution : I request that Equifax and XXXX immediately remove the disputed accounts ( XXXX and XXXX ) from my credit report. If these accounts are not removed, I will be compelled to pursue legal action against both the debt collector and the credit bureaus for furnishing false information. 

Please refer to my previous CFPB complaints for additional details. 

Thank you for your prompt attention to this matter Please see CFPB complaints XXXX XXXX Where the company violated the law by telling me that I needed to prove that the debt wasn't mine without offering any proof that it was.
Consumer complaint received 2023-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (CA)

Hello. Please help me. I have been trying to speak with Chase Auto for a few months because they are hurting my credit. I have spoken with them many times. I have tried to plead with them and also to reason with them, but they don't care. I have tried to send them letters explaining the situation, but they don't respond. It is very sad that Chase Auto is just deciding to hurt my credit for no reason at all. Please help me.

I have never paid 30 days late in my life. I didn't pay 30 days late to Chase Auto either. They are marking me XXXX days late for XXXX of 2023. I have proof I didn't pay them late either. My XXXX payment was due on XX/XX/XXXX. That same day I called Chase to try and make a payment over the phone. It was a Friday. Chase told me the department which handled auto payments was a different department and they had to transfer me. When they tried to transfer me, I was told that department wasn't answering, and they may have closed already. I asked if I could pay them since the other department was closed, but they said no. They gave the number to the other department, but I couldn't get a hold of them. I then tried paying online, but their online system would not allow me to schedule a payment for same day. I paid them anyways because I never pay late, but the system scheduled the payment for the XXXX XXXX  XXXX. It would not let me pick an earlier day. I also have proof of that. 

I called Chase the next week and I told them what happened, but they didn't care. Since then, I have been calling numerous times since it wasn't fair that Chase wouldn't take my payment over the phone and their online system would not accept payment for the same day either. I keep getting excuses or people that don't want to help me. Because I am a XXXX XXXX my credit is important for equipment and supplies, and this is really hurting me. Please help me as this is costing me business and money.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

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 a account without my written instructions
Consumer complaint received 2024-07-25
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 was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days 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 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 XXXX
Consumer complaint received 2024-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MA)

Dear XXXX, SYNCB/CARE CREDIT ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : XXXX. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in [ State Name ].

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.