davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-22
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)

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 any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX Balance Owed : {$600.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Consumer complaint received 2024-07-26
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. (MS)

I recently obtained a copy of my credit report and notice that I have some hard inquiries that, I did not Authorize ACCOUNT note loan XXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX ACCOUNT XXXX XXXX XXXX XXXXXXXX ACCOUNT Auto loan XXXX ACCOUNT XXXX
Consumer complaint received 2024-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (SC)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XX/XX/2023
Consumer complaint received 2024-06-22
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. (GA)

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.

XXXX  XXXX - hard inquiries ( 2 ) placed on my credit when they should have been soft pulls via pre-qualification process but has resulted in repo hard inquiries on my report which is highly inaccurate and XXXX XXXX XXXX  - hard inquiry ( have no knowledge inquiry is fraudulent and I gave no consent to place this on my report ) which is also inaccurate because I have no knowledge of such. 

XXXX XXXX and 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 2024-06-22
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (TX)

UNDER CONSUMER LAW THE CREDIT REPORT POST TO ACCURATE AND COMPLETE THEY KEEP PUTTING XXXX XXXX XXXX ON THE CREDIT REPORT MY NAME ON MY ID IS XXXX XXXX THE NAME NEEDS TO BE CORRECT UNDER 15USC 1681-1681X FAIR CREDIT REPORTING ACT
Consumer complaint received 2024-06-22
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. (WI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$8200.00} DEPTEDXXXX XXXX Balance Owed : {$96000.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - DPT EDXXXX XXXX Balance Owed : $ XXXX XXXX XXXX XXXX Balance Owed : {$1900.00}
Consumer complaint received 2023-09-17
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (TX)

Hello, Midland Credit Management XXXX has violated 15 US Code 1692c Communication in connection with dent collection, 15 US Code 1692g Validation of debts and 15 US Code 6802 Obligation with respect to disclosures of personal information. 

In your correspondence letter you stated that you sent mail XX/XX/2022 about this alleged account. What address did you send this letter to? I never received this communication and none of the documents youve shown proves that I owe Midland Credit Management. This is not my debt. You guys never sent me the validation letter which is required by law. I ask that you cease furnishing on my consumer report.

Furthermore 15 U.S. Code 6802a states financial institutions may not directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such Financial institution provides or has provided to a consumer a notice that complies with section 6803 of this title. You may not disclose this information unless you disclose this in writing or electronic or other fo
rm 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 : ( consumer reporting agency ). And I must be given instructions on how I can exercise my rights. 

This is a notice to sue because I have not be given any of these disclosures from either company. I asked that this is removed immediately. I don't want any more time wasted on this. 

You must know all of the Laws before you waste your time and cost your company thousands from a lack of knowledge.
Consumer complaint received 2024-06-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXX and i 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. 

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
Consumer complaint received 2024-06-22
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. (DE)

Per 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. 

XXXX XXXX XXXX Account # XXXX. 
XXXXXXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXX- Account # XXXX XXXXXXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 section 602 ( A ) states that I have the right to privacy. 
15 U.S.C 1681 section 604 ( A ) section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) section states that no consumer reporting agency may make any consumer report containing any of the following information items. Any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s- 2 ( A ) ( 1 ) states a person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-21
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. (MT)

On XX/XX/year> requested free credit report from Equifax. Even filed XXXX complaint which is now closed. On XX/XX/year> sent personal identification information to Equifax. As of this complaint no response and/or credit report sent. 

Note XXXX XXXX in the same boat. Sent request XX/XX/year>. Also sent on XX/XX/year> personal identification information to XXXX XXXX and no response or report yet. Filed BBB complaint which is now closed.
Consumer complaint received 2024-06-21
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)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-06-21
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. (IL)

On XXXX I sent letters to each of the three bureaus through certified mail requesting investigations on information on my credit reports that were highly inaccurate and has been negatively impacting my ability to obtain credit. I also requested the inaccurate information to be removed and then updated credit reports be sent to me. Rather than investigate my claims, the three bureaus did not remove more than one or two small items like inaccurate personal information and I never received updated credit reports. 

On XX/XX/year> I sent another round of letters identifying the errors on my reports and I again requested investigations be opened, inaccurate items be removed and updated credit reports be sent to me and I have heard nothing from any of the bureaus. In short, they are all failing to comply with their own policies in a timely manner. I have proof showing I have sent these letters to Equifax, XXXX and XXXX - and I am positive I have the correct addresses because I sent the first round of letters via certified mail. 

Thank you.
Consumer complaint received 2023-11-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

Aidvantage is has recently taken over my Federal Student loan payments and it has been a stressful situation. I paid on time XX/XX/XXXX {$100.00}. I received an email payment has been received. Weeks later I received an email my loan payment is late. I check my aidvantage account it stated reversal. My bank account has the sufficient amount of money. Icalled multiple times waited hours on the phone during my work day 2 hrs. I never get through to anyone as well their operation hours are normal working hrs no extension XXXX etc. On XX/XX/XXXX I paid {$200.00} XXXX ( repaying ) and XXXX payment ( my due date is XXXX  ). I paid to ensure no default because I am on an income base repayment plan. As of today it states I no longer can be in the program because I have defaulted on my loan. I always pay my loan payments with previous owner of my loan monthly prior to XXXX. This impacts my credit and my life circumstances. Aidvantage is taken advantage of their consumer to create more interest and higher payments when default on income payment plans. 
I have sent two emails XXXX no response and XXXX I do not know why the banks states reversal when I have sufficient funds and the Bank information is correct. 
Pleased support in this matter at best.
Consumer complaint received 2024-06-21
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. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2019-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Army and Air Force Exchange Service (AP)

During the months of XXXX through XXXX I contacted ECP ( exchange credit program ) ( Military star card ) about a card opened fraudulently in my name, {$4000.00} limit, opened in XXXX, around the time my wife and I separated, I had no need for this card and already had one, I explained this to the fraud center and they said it would be difficult to ascertain who the owner of the account was. 
I showed proof I had a military star card previously and she made herself an authorized user on the account, but didn't add me as a user. I was told by the company that my soon to be ex-wife had a right to obtain this card, which i agree with, but not in my name, she eventually rang the bill up to ~ {$3800.00}. Since then the bill has been paid to an extent, I haven't paid it, I've closed the account but ECP is stating I am responsible for the remaining ~ {$1700.00}. I feel as if I've shown the company plenty of proof that I was not the one that opened the card and I will not pay the remaining balance. They recently in the last 3 weeks sent me a letter stating I owed the remaining balance and that ECP would pursue legal action if not paid. I would very much like for XXXX XXXX, my soon to be wife to be persecuted for fraud and forced to pay the remaining debt. 
If there are further questions that need to be asked feel free to contact me, XXXX or XXXX. I can collect and submit the documents if asked to. 
I am saddened that although proof has been given to the company, they refuse to believe me.
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. (GA)

MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2024-07-30
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Byrider Franchising, LLC (OH)

On XX/XX/year> jdbyrider / CNAC sent me a text message saying my payment was late. I responded to the text to run it again. I received another text saying the payment was declined. I called the number on the text and it was a XXXX voice number. I called based on the number in my contacts. 
The man who answered the phone started yelling at me that he has been calling my phone since Friday and accusing me that I blocked their number. I asked him what card number they were trying to run and apologized that I put the money on the wrong account. I asked him to hold on while I moved the money. He continued to yell at me and threatened to have my car seized all while Im asking him to run the payment again. I explained to him I have been making payments for 3 years and have missed a payment only 2 times. I asked him why he was arguing with me while Im calling to make a payment. He said he needed to make his speech and that I was not going to pass him the over. 
He ran the payment and continued to threaten me that if I miss the next payment he will seize my car and fine me {$1300.00} to have it returned. 
He also sent a text message to my brother regarding my account.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with XXXX - XXXX was never late! I have had exceptional payment history with capital 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 me 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 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 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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$970.00} XX/XX/XXXX XXXX XXXX {$2900.00} XX/XX/XXXX 15 U.S.C, 1681section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-01-10
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. (TX)

Since XXXX of XXXX, I started trying to fix this issue. There are accounts and personal information that are showing on my credit report that are not mine. Letters was sent to the 3 credit bureaus ; XXXX, Equifax and XXXX on XX/XX/XXXX and nothing has been done.