davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-07
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. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EdFinancial Services (UT)

EDFINANCIAL reported information about a federal student loan to a credit agency XXXX regarding a student loan which I never had. 
I am XXXX XXXX XXXX and I have never taken a student loan in my life. Ive tried to call them 5 times and the automated assistant tells me that the wait times are over 500 minutes each time. I ask them to call me back and they never do. They make it impossible to reach them to resolve the false or erroneous report.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

It has come to my attention upon checking my consumer report that inaccurate information has been furnished. Per the FCRA as a federally protected consumer I have the right to accuracy [ 15 USC 1681e ( b ) ], as well as privacy according to the Privacy Act of 1974, and the option to opt out of any reporting on my consumer report [ 15 USC 6802 ( b ), 16 CFR 313.1, 16 CFR 313.7. ] My rights have been violated. My closed account with XXXX XXXX XXXX  is reported as charged off inXX/XX/XXXX my consumer report. A charge off is considered a certificate of indebtedness which is INCOME.

Income does not get reported on the consumer report which in fact makes the reporting of this account inaccurate! It is prohibited by law to have inaccurate information on your consumer report and this information is indeed inaccurate.

As Defined by the IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The continued reporting of this inaccurate information is a clear violation of the law. 

In addition to this inaccuracy, this charge off report of this account is only showing as such on to one consumer reporting agency and still showing as an open account on the others as XX/XX/XXXX The balance on each report is different also. On one consumer report it states a {$20000.00} balance versus a {$20000.00} on the others. This is another inaccurate reporting and must be removed from my credit profile! 

This has caused me and my family severe harm due to this negligence and inaccurate reporting. This has caused damage to my reputation, my character, and my general mode of living and my ability to obtain credit for personal and house purposes. 

I am now opting out of any and all authorizations that I, the consumer, may have given you written or non-written, verbal or non-verbal for the reporting of this closed XXXX XXXX XXXX account from the date the account opened until XX/XX/XXXX.
Consumer complaint received 2024-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NC)

I got a simple loan from my XXXX XXXX to pay for my XXXX XXXX XXXX XXXX XXXX. The loan was supposedly for {$2200.00} and as the XXXX  went on it kept increasing to the point of {$4400.00}. I then tried to send them a check for {$2900.00} ( which at the time was the entire loan ), and they cashed the check ( according to my bank ) and didnt credit a single dime to my account.

I just recently then tried to pay the rest of it off in XXXX online payments through their new online portal for {$1000.00} and {$350.00} respectively. The payments showed as pending then processing and then disappeared.

I am now out of {$4400.00} and they are saying that the loan hasnt been paid off at all. I want a refund or for the loan to be canceled!
Consumer complaint received 2024-05-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (IL)

I called XXXX.C. System, INC at ( XXXX ) XXXX and spoke to 2 separate representatives that could not verify my information in their system by name or social security. They refused to notify XXXX of this issue, not only are they reporting XXXX accounts to XXXX only but they are reporting the account as past due in collections. This is a third party collections agency and not the original debtor.
Consumer complaint received 2024-05-06
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: EQUIFAX, INC. (SC)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. These items need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (FL)

I am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.
Consumer complaint received 2023-05-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (TX)

In response to a notice I received via a posting on my credit report dated XX/XX/ from SYNERPRISE CONSULTING I sent a letter dated XXXX  requesting that they provide me competent evidence that I have any legal obligation to pay them. Additionally I required them to meet specific outlined requests as to what the debt validation should include. I reminded them to be advised that this was not a refusal to pay if this alleged debt is legitimate, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. I waited for 30 days and had not gotten a reply back yet. On XXXX  I sent an additional letter referring to the previous letter and still have not gotten a response back. This company violated my rights, willfully and knowingly dishonored my presentments. They neglected me as if my communication meant nothing to them while still reporting negative items on my credit report which in turn caused me to have a higher interest rate on my home loan. These effects have future damages which all derive from their negligence and incompetence. I am of the opinion that this should be resolved by having SYNERPRISE CONSULTING delete my account along with all reports and records referencing my name.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2023-07-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC (TX)

Aldous & Associates responded to the CFPB with factual misrepresentation. In complaint XXXX they were unable to prove the debt and when they responded this company continues to commit fraud. They have placed an inaccurate file on my credit report and when I dispute with the CFPB they commit fraud by claiming I did not send any dispute of debt. A dispute of debt was sent on XX/XX/2023, and was received by Aldous & Associates on XX/XX/2023. I will attach the XXXX certified electronic confirmation to this document. I will also attach the letter I sent to them on XX/XX/2023, to this document with the exhibits. 
This company continues to cause harm to my file with inaccurate information. I have shown that they have made an error and the FCRA requires they investigate which they do not do. Per conversing with a CFPB representative I have been instructed to attach the XXXX XXXX confirmation that I sent this debt dispute.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICE I HAD FRAUDLUENT ACCOUNTS ON MY REPORT, PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.
Consumer complaint received 2024-07-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

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 2024-01-10
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. (WA)

To Whom It May Concern, I am writing to file a formal complaint against Experian for what I believe to be multiple violations of the Fair Credit Reporting Act ( FCRA ) and related privacy laws. As a consumer with rights protected under federal law, I am formally opting out of any and all authorizationswhether written, verbal, or otherwise impliedthat I may have previously provided to Experian, as is my right under 15 U.S.C. 6802.

The FCRA, specifically under 15 U.S.C. 1681b, outlines the permissible purposes for which a consumer reporting agency may furnish credit reports. This section requires that I provide explicit written consent before my credit report can be released. Furthermore, 15 U.S.C. 6802 ( b ) states that my personal information can only be furnished if I am given a clear and conspicuous opportunity to opt out, which was not provided by the financial institutions listed on my credit report.

Additionally, pursuant to the privacy regulations found in 16 CFR Part 313, notably 313.1 and 313.7, I should have been provided a form of opt-out notice, as well as a continuing right to opt out of such disclosures. Experian, as a non-affiliated third party, should not possess or disseminate my personal information without my explicit consent. 

The inaccuracies present on my credit report, which I have detailed and circled in the attachments accompanying this complaint, include but are not limited to dates, amounts, and account statuses. Each financial institution that has reported to Experian has assured me through their privacy notice terms and conditions that my information would not be shared with third-party companies, yet it appears that this has not been the case. 

I am aware that the FCRA provides for statutory damages of up to {$1000.00} per violation, as well as the potential for punitive damages and the recovery of attorney 's fees and costs for willful noncompliance ( 15 U.S.C. 1681n ).
Consumer complaint received 2023-06-13
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. (TN)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-09-13
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 have not supplied proof under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( Mo ) 281 SW 715, 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. Therefore, I respectfully ask that it be promptly removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-24
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: Experian Information Solutions Inc. (LA)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-05-06
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (TX)

About 6 weeks ago ( about XX/XX/XXXX ), I got a letter from a XXXX XXXX XXXX stated that I opened a PayPal credit card account in XXXX. I currently have a balance. I called PayPal and I was directed to Sychrony bank. I was told that the matter had investigated, and the result was someone else opened the account. I was told I owe nothing. I was told that I would not be worried about the letter from XXXX XXXX XXXX because Synchrony bank already sent a notification to the XXXX XXXX XXXX. 

XX/XX/XXXX, I got a letter stated that I was sued by XXXX XXXX XXXX. I called Synchrony bank again, and I still get the same answer as before that someone else opened the account ( not me ). I asked the bank to send me a letter that confirms me I am not the one who opened the account. 

I got the mentioned letter written on XX/XX/XXXX. I am also advised by the bank that I need to report the fraud to all related governments and agencies to prevent this from happening. That is why I am doing it now. 

the court date is XX/XX/XXXX. Today is XX/XX/XXXX. I will have to attend the XXXX XXXX court, and I will bring the letter with me and hope that the case will be dismissed on my favor.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-05-06
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to XXXX XXXX. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX 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/year>
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, XXXX and Equifax a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.