davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-26
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. (FL)

I have reviewed my consumer reports and notice that I have two late payments on the account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability with maximum accuracy, I have never been late on payments for the accounts that I have included screenshots inside this complaint in on dates of ( XX/XX/XXXX ) ( XX/XX/XXXX ). Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact they we're never late. Thanks. Please see screenshots attached :
Consumer complaint received 2024-06-05
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America XXXX card claim : XXXX {$7500.00} XXXX {$3300.00} XXXX {$870.00} XXXX {$6500.00} My claims for my money because my purse was stolen police were contacted by XXXX XXXX XXXX at XXXX, XXXX XXXXXXXX XXXX XXXX XXXX but no police report made on my behalf XX/XX/year> I was hospitalized hence it took so long to file claims on a conservatorship. All transactions are fraudulent at ATM 's, online, and in stores not made by me or anybody I know please kindly help me obtain my refund I think a bias and disgruntle employee in the back office is denying my claims the same day they are received by mail within hours! I am hung up on when I call as well numerous times I've faxed information numerous times previous claims were paid same time frame so please help. Thank you, XXXX
Consumer complaint received 2024-05-25
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. (NJ)

Im disputing this item because According to the FCRA 605b law this was not Authorize to report on my credit report Equifax need permission to report this on my credit report which I did not give them permission OR Didnt provide them with a written letter to report this on my credit report to do This is a violation ef 15 U.S. Code 1681 ( 9 ) Removal of inaccurate/invalidated credit information. Please remove it immediately.

How is this keep coming back verified when none these company can send me proof of a Purchased Agreement, my wet signature and ID verification. So delete this inaccuracy from my report.

DELETE THIS IMMEDIATELY OR I will seek damages, including but not limited to, statutory costs, with each violation incurring a statutory cost of {$1000.00}, as specified in 15 U.S.C 1692k
Consumer complaint received 2024-05-25
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated myfederally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States i have the 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.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 2024-06-03
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (PA)

Ally Financial XXXX XXXX XXXX XXXX Remaining Balance : {$4400.00} To whom it may concern : I am writing concerning the above-referenced account and transactions. This vehicle was repossessed by Ally Financial in the State of Pennsylvania on or about, XX/XX/XXXX and I was never informed that it was going to be repossessed or sold.

Under the laws of the State of Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX statues, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable time redemption and cure time limits were adhered to.

Furthermore, after a plethora of attempts to rectify this issue I have been unfairly dismissed and left with no explanation or answers regarding this account. I have been told multiple times that this account has been sold to XXXX XXXX and XXXX XXXX. I've contacted both XXXX  and XXXX regarding this account and both companies stated that this account belongs to Ally Financial, who has continued to report this vehicle to the credit bureaus, last report being XX/XX/XXXX, despite telling me that the account has been sold to XXXX  and XXXX. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be consider null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. If you singularly of severally fail to comply with the requests, I reserve the right to seek damages against all parties, under all the available State and Federal statutes and UCC remedies.
Consumer complaint received 2024-05-26
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. (TX)

I was never late on these 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 can not supply this please delete these late payments. 

I was never late on these alleged late payment from my credit report and update to paid as agreed per USC 15 1666B a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any purpose.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete the above late payments from my consumer 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 : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I have been a XXXX XXXX customer since and during that time, I have enjoyed the experience and learning process of managing credit cards responsibly. XXXX XXXX is the first company that was willing to extend credit to me. 

I am writing to humbly request that you would be willing to make a goodwill adjustment to your reporting to the three credit agencies. I have late payments with XXXX XXXX. since then i have not had a single missed payment
Consumer complaint received 2024-05-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

Some unknown debt/credit charges on my personal credit report .i request for a purchase agreement from these debts collectors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (TX)

Amazingly, this is my umpteenth compliant over the SAME account. Quite simply, I closed this account several months ago after Barclays refused to stop letting XXXX charge me even after I had frozen and blocked the merchant after canceling my service XX/XX/2023. I closed this account prior to leaving the US for the summer. I called to confirm. I was assured I would receive my prorated annual fee back, as I had just paid it. I have yet to receive it. I have received nothing for these services, nor have I received a check in the mail. I reached back out to Barclays after returning to Texas after months abroad and of course received no reply. Barclays seems only to respond to federal level consumer complaints, which I find disturbing. It was a {$99.00} annual fee. I had paid it just shortly before the debacle with them allowing a merchant I had blocked to repeatedly charge my card. I am currently in the process of writing a consumer story on this whole nightmare, but I surely never thought they would hold my own money hostage. I am owed well over half of my annual fee, of it, which, frankly, I would like with the 29 % interest they charge when their consumers are late. I was never late, which is why I am baffled as to why they were so terrible to deal with. It certainly makes me wonder how they treat their worst customers. Please just send me my refund to the same address you had on file. That's all!
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc. (CA)

I am a victim of identity thett, I'm not sure who is using my information but this is just continuing to happen to me. 

I reside in XXXX California for majority of my life. Somehow someone has an eviction in my name in Alabama. 

I have no connection with any account listed. 

I filed out a police report, and an identity theft report. 

I filed court paperwork as well please help me l have no knowledge of any of these accounts
Consumer complaint received 2024-05-25
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. (MI)

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 2024-05-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

Earlier this year the government announced on XXXX that The deadline to recertify your IDR plan has been extended to XXXX XXXX, XXXX. The earliest you will have to update your income and family size for your IDR plan to meet that deadline is XX/XX/XXXX. Before we announced this end date, some people received messages from their loan servicers starting in XX/XX/XXXX about recertifying for IDR in XX/XX/XXXX. If you had a XX/XX/XXXX recertification date, youll stay in IDR for now, even if you missed the deadline to recertify. If your payment went up, we will revert your payment to its previous monthly amount until your new recertification deadline. 

I received a request to recertify in XX/XX/XXXX, which I did. As a result, my payment went up from {$0.00} to {$240.00}. I have been making these payments since XX/XX/XXXX. I have contacted MOHELA several times to inquire about when they will be returning my payment amount to {$0.00} and when I will receive reimbursement for the payments I have made when my payments should have {$0.00}. Every time I contact them they say they need more time to research my issue. 

Its going to be almost 5 months and they still have not readjusted my account payments back to {$0.00}. I am tired of trying to deal with MOHELA. I waited on hold for 5 hours one time. It was awful. I need help getting my account fixed.
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have recently found out that I am a victim of identity theft. Due to that there are fraudulent accounts and inquiries on my credit report. Someone has stolen my personal information and has used it as their own applying for a credit card and even a mortgage. I have already taken it upon myself to file a report with the federal trade commission and my local police station. Both the Police report and FTC Identity theft report are attached to this letter. I was advised by both creditors and also your fraud departments supervisor to file these documents and to send a copy. Please review my documents and process a block on these accounts, thank you!
Consumer complaint received 2024-05-26
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. (GA)

Recently I looked at my credit report, and I noticed several inaccuracies with one of my accounts. This account is paid off in full but it is reporting as a derogatory chargeoff/collection. These inaccuracies are seriously XXXX  my credit score and my ability to obtain credit. I need this account removed from my credit report as soon as possible. Account Name : XXXX Account Number : XXXX In accordance with The Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the rights 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.
Consumer complaint received 2024-05-26
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. (GA)

Recently I looked at my credit report, and I noticed several inaccuracies with XXXX of my accounts. This account is reporting late payments and different dates for date opened XX/XX/2022, and XX/XX/2022. These inaccuracies are seriously hurting my credit score and my ability to obtain credit. I need these lame payments removed or delete this account from my credit score. Account Name : XXXX  Account Number : XXXX In accordance with The Fair Credit Reporting Act XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the rights 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.
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OK)

XXXX XXXX  XXXX agreed to remove the XXXX XXXX of my credit report. 
*XXXX XXXX XXXXXXXX is reporting an account that i didnt open and XXXX XXXX  removed it, it was open when i was in XXXX 
XXXX XXXXXXXX agreed to update the late payments i wasnt late and that was over 30 days ago. 
XXXX  agreed to do a pay to delete and they took my money without updating my report. 
XXXX XXXX has inaccurate info, balances, dates, amounts
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax is deficient in reporting this alleged entry, giving me no fair and equitable opportunity to challenge/correct it as inaccurate. They are denying my right under FCRA to contest this improper XXXX XXXX
Consumer complaint received 2024-05-26
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. (GA)

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 MAKE TAKE 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 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-26
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. (GA)

Recently I looked at my credit report, and I noticed several inaccuracies on one of my accounts. These inaccuracies are severely hurting my credit score and my ability to obtain credit. In accordance with The Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A states section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Account XXXX : XXXX XXXX Account XXXX : XXXX
Consumer complaint received 2024-05-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (RI)

According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This item is reported incorrectly and should be deleted. I should receive {$1000.00} for each error found on my credit file.
Consumer complaint received 2024-05-25
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. (GA)

Recently I looked at my credit report, and I noticed several inaccuracies on one of my accounts. These inaccuracies are severely hurting my credit score and my ability to obtain credit. 

In accordance with The Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A states section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account Name : XXXX XXXX Account Number : XXXX