davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

I have called American Education Services ( AES ) 3 times over a period of time since XX/XX/XXXX through XX/XX/XXXX. 
I had been told during the first two phone calls that I didnt have federal student loans and I couldnt receive covid student loan relief during the time period when Covid allowed suspension of fed loan repayments. 
During XX/XX/XXXX, I read into the details of my loans and how to tell if they were federal student loans, which I confirmed is what I do hold. 
I spoke with a representative this morning, XX/XX/XXXX around XXXX XXXX  and she confirmed that I had federal student loans but that AES was a third party and some loans AES hold are not eligible for student debt relief because theyre not considered/treated a federal loan anymore. I responded how is that fair. I take out and sign a contract to repay a Fed loan and its not my fault they were sold to AES. I didnt agree to those terms and I dont believe that can be correct or legal. So, Im requesting a review of this policy. Can you please clarify the accuracy of this information? Thank you.
Consumer complaint received 2024-07-23
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XX/XX/XXXX
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NV)

I am writing to formally follow up on my previous dispute regarding the accuracy of several items on my credit report. While I have received your response and the results of the investigation, I must respectfully disagree with the conclusions, as several accounts were not properly validated, nor was sufficient evidence provided to support the continued reporting of these items. 

Specifically, I am disputing the following accounts : XXXXXXXX XXXX XXXX This account was marked as " updated. '' However, I have not received any documentation or validation proving the accuracy of this debt. 
XXXX XXXX XXXX This was " verified as reported. '' I am requesting proper validation as outlined under the Fair Credit Reporting Act ( FCRA ), including proof of the original agreement or contract associated with this debt. 
XXXX XXXX XXXX Marked as " updated, '' but no supporting documents or validation of the debt were provided. 
XXXX XXXX XXXX Updated with no validation. 
XXXX XXXX XXXX Verified as reported, yet no validation documentation was supplied. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a thorough investigation and verification of the debts. Simply marking accounts as " verified '' or " updated '' without providing evidence does not meet the legal standard for validation. I am requesting that you provide me with : A copy of the original signed agreement or contract that proves the validity of these debts. 
Documentation of all communications related to the debts and a full accounting of how the amount owed was calculated. 
Proof that the creditors are legally authorized to collect on these debts. 
If you are unable to provide this information, I request that the unverified and unvalidated items be immediately removed from my credit report. Continued reporting of unverifiable information is a violation of the FCRA, and I am prepared to escalate this matter if it is not resolved in a timely and lawful manner. 

I expect a response and resolution within 30 days, as required by law. Please update me in writing, and if applicable, send me a corrected copy of my credit report reflecting the removal of any unverifiable or invalid items. 

Thank you for your prompt attention to this matter. I look forward to your timely resolution of these issues.
Consumer complaint received 2024-07-23
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. (AZ)

Thank you for addressing some of the inaccuracies in my credit file. However, I am concerned that the examination may not have fully complied with the Fair Credit Reporting Act guidelines. I believe further action is needed to ensure the remaining accounts are accurate. I request another investigation and correction of the following accounts : XXXX : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$54.00} ; XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} ; XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$760.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1100.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance XXXX : {$54.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$760.00} ; XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$35000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00} XXXX : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$54.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$760.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$34000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$520.00}. If your investigation can not verify the accuracy of the disputed information, please correct it immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to the address provided.
Consumer complaint received 2024-07-23
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. (NC)

In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights under 15 USC 6802 - Obligations with respect to disclosures of personal information, and 15 USC 1681-protected consumer rights to privacy and confidentiality XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX3 In accordance with the Fair Credit Reporting Act. The account below has violated my federally protected consumer rights under 15 USC 6802 - Obligations with respect to disclosures of personal information, and 15 USC 1681-protected consumer rights to privacy and confidentiality I closed the account below and was told it would be removed from my Credit report by someone in Customer Service , I contacted the Company ( Self/Leads Bank ) by mail and with no response also by phone with only being able to be connected to Customer Service Reps who don't speak proper English and seem not to understand my rights have been violated. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX U.S.C 1681 section 602 ( A ). ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

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 6802 States ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) The consumer is given an explanation of how they can exercise that nondisclosure option.
Consumer complaint received 2024-07-23
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)

I checked my credit report and saw that there were inaccurate accounts on my credit report and I do not have any idea why it's there. I didn't wan na believe it at first so I tried refreshing the page but I was disappointed because it did not get removed so please thoroughly check the documents I've sent.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I recently received a copy of my [ XXXX, Equifax and XXXX ) credit report and I notice some late payments posted on my credit report : I Have Never been late on this Account XXXX XXXX XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you cant supply this please delete this alleged late payment from my credit report per 15 USC 168 1B.

Your company is in clear violation of the law. Under 15 USC 168 1B -permissible purpose of consumer reports. 
Delete the above late payments from my credit report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which i will also be seeking {$1000.00} per violation for : Defamation of character Negligent Enablement of Identity fraud Best Regards, XXXX XXXX
Consumer complaint received 2024-07-23
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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I have asked for all the creditors that has falsely reported information on my credit file to validate debts by providing proof of this alleged item, specifically the original application, contract, note, other instrument bearing my signature and payment history. Please provide this information within 15 days. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 

Debt buyer are not a creditor therefore on my report where it shows collection agency as creditor it's inaccurate reporting and violation under FDCPA definitions of creditor. This is inaccurate and needs to be deleted immediately as its a violation. Please view the below definitions, 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation G ) 1006.2 ( g ) Definitions. 
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.
Consumer complaint received 2024-07-23
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XX/XX/year>
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I'm personally submitting this complaint about late payments on my credit record. My review revealed these late payment entries. Despite sending inquiries over a month ago, I've received no response or adequate validation. I'm requesting your assistance to resolve this issue quickly and effectively.
Consumer complaint received 2024-09-24
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)

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 informationisinaccurate.

Please remove these Inquiries from my credit report.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. 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 XXXX AND XXXX 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 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 2024-07-23
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. (FL)

Months ago, I have sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NM)

On XXXXXX/XX/year> I contacted the CFPB about XXXX XXXX having three negative entries on my credit profile. These were in fact paid off, and yet XXXX continues to report to the credit bureaus that they are outstanding. Yes, I took three loans from XXXX for sick animals. Over time, I paid the loan. At the time of the last payment on each loan, suddenly they dont want my credit card. I had to try to get them to bill the same card but would not. The reason was largely because they had incorrect information as to what was owned compared to what they wanted from the credit card. At the end, after it was paid, they reported the loans as write-offs, even though they were paid in full. The company refuses to justify the negative information in the credit report, nor correct it.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

One morning, I checked my credit report and there it was. Inaccurate accounts. Inaccurate accounts that I have no idea about. I don't know why it got there. I also don't know why it is reporting as mine but I know that IT IS NOT MINE. Which is why I want my documents to be checked thoroughly.
Consumer complaint received 2024-09-24
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. (OH)

XXXX XXXX  is reporting a charge off account on my credit with a past due balance which is a violation of the FCRA. That is an inaccuracy and needs deleted. 

I reached out to XXXX XXXX and they suggested I contact someone else, which is another inaccuracy since they are the ones reporting it.
Consumer complaint received 2024-09-24
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)

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

This morning, I was shocked to see incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my credit report, but this time, unexpected discrepancies appeared out of nowhere. I even tried refreshing the browser, thinking it might be a glitch, but nothing changedthe inaccurate accounts stayed there. Because of this, I urgently ask for a thorough review of the documents I've submitted so I can finally put this worry to rest for good.