davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-22
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. (PA)

XX/XX/XXXX, I looked at my report. I sent a letter to XXXX And Equifax on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX  XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX XX/XX/XXXX they sent me their invetagtion and said these accounts are complete and accurate. 

I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 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.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Also my accounts was paid off and was still showing that it is open and i requested that they delete the paid off accounts from my credit report they simply updated the report and change my open account to closed. i also contacted the banks and the banks told me to contact the credit bureau 's i also contacted XXXX once again and they told me they will investigate but the other 2 gave me no choice seeking for help. 

XXXX, Equifax really did not reinvestigation they lied on an official document saying they did something they did not do and I have evidence to prove my case
Consumer complaint received 2023-12-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit International Corporation (WA)

I just had a garnishment on my payroll check without prior notification from the debt collector, I was never contacted first before garnishment by either mail or phone call. Upon calling they informed me they sent out a mailing 6 days prior to first garnishment to my old mailing address. They informed me that the last time it was reported to my credit report was XXXX. The mailing was XX/XX/XXXX and the first garnishment was processed XX/XX/XXXX. I was not never contacted or called to make arrangements to pay the debt or was given 30 days to write a dispute for the debt. The original debt is from XXXX. In Washington, the statute of limitations on debt collection lawsuits is six years after the date of default or last payment on the debt account. When six years have passed, debt collectors can still attempt to collect these debts, but they can not file a collection lawsuit.
Consumer complaint received 2024-01-06
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$9000.00} New Late Open : XXXX XXXX XXXX Balance Owed : {$23000.00}
Consumer complaint received 2024-04-22
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. (MI)

I am writing to address a significant discrepancy regarding the reporting of a debt on my credit report. After reviewing the information provided by XXXX XXXX, it has come to my attention that the account in question, which was listed as opened on XXXX XXXX on XXXX. But on XXXX and Equifax credit report its listed open on XX/XX/XXXX. However this account was originally opened XX/XX/XXXX. Furthermore, the original last payment received for this account was on XX/XX/XXXX. With Equifax its listed account was closed XX/XX/XXXX. XXXX date od closer is on XX/XX/XXXX. XXXX on XX/XX/XXXX This discrepancy suggests that the debt has been inaccurately re-aged. 

As per the Fair Credit Reporting Act ( FCRA ) U.S. Codes, it is essential that information reported on a consumer 's credit report is accurate and reflects the true history of the account. Sections 1681s-2 and 1681c of the FCRA outline the responsibilities of furnishers of information and prohibit the reporting of outdated or inaccurate information, including the re-aging of debts.

Section 600.5807 of the Michigan Compiled Laws outlines the statute of limitations for various types of debt in Michigan. Here 's a breakdown : 1. **Contractual Debts** : For debts based on a written contract or agreement, such as loans or credit card debt, the statute of limitations is generally 6 years from the date the cause of action accrues. The cause of action accrues typically from the date of the last payment made on the account or the date of default, whichever is later.

2. **Open Accounts/Unwritten Contracts** : This section covers debts without a written contract, such as credit card debts where there's no signed agreement. The statute of limitations for these debts is also 6 years from the date of last payment or default.
Consumer complaint received 2023-04-26
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX, I made a cash and check combined deposit in a Wells Fargo branch. I made a total deposit of {$940.00}, at XXXX XXXX. At XXXX XXXX  the same day, a deposit of {$3300.00} was made into the same account. I did not make this deposit. The same day ( time stamp missing ), a withdrawal of {$400.00} was made from my Savings account. I also did not make this withdrawal. 

On XX/XX/XXXX, I contacted Wells Fargo Fraud Department. I lodged a complaint about both the deposit of {$3300.00} and the withdrawal of {$400.00} as being unauthorized. The representative I spoke with told me this was a common scam. I received a letter that my complaint of {$3300.00} had been corrected, and this was corrected on XX/XX/XXXX. On XX/XX/XXXX, I noticed that the {$400.00} withdrawal had not been corrected. I called the Fraud Department again and was told that investigators found that there was no reason to believe that that was a fraudulent transaction. I requested the case be reopened, and was told that someone from Wells Fargo would contact me within two business days. Today, XX/XX/XXXX, I checked my online account and had no claims activated, nor has anyone from Wells Fargo reached out to me.
Consumer complaint received 2024-04-22
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. (SC)

This account was charged off on the following date [ XX/XX/2023 ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXXXXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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. 

has violated my rights. Or a list of inquiries : 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 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

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.

has violated my rights. Or a list of inquiries : 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 2024-01-06
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)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within XXXX  business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
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)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

There were several accounts open in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (IL)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX LexisNexis XXXX XXXX XXXX XXXX, XXXX XXXX RE : Consumer Number : XXXX RE : Case Number : XXXX For months now, Ive tried getting a copy of my consumer report from LexisNexis to no avail. LexisNexis keep sending a letter stating the documents Ive mailed were not legible, which is absurd! All of my documents were legible! 

Im asking CFPB to help me gain access to my consumer report from LexisNexis. Attach are all of my CLEAR documents to prove my identity and residents. 



Please mail me a copy of my LexisNexis consumer report to the abovementioned address on this letter. 

Thank you!
Consumer complaint received 2023-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (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. 

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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRUIST FINANCIAL CORPORATION (PA)

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number ( XXXX ) XXXX In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose. 


Also as stated I have not supplied proof under the doctrine of estopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719, 1 presume that no proof of the alleged debt, nor therefore an ) such debt, in fact therefore exists.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

I Would be happy to settle any Financial obligation I may own as soon as I receive the following documentation form you. 
1 ) The Validation of debt which is actual accounting 2 ) The verification of your Claim against me, a Sworn Affidavit or hand signed invoice in accordance with The Bills Of Exchange Act of 1882, The Uniform Commercial Codes, The Federal Fair Credit Reporting Act and The Georgia State Statues of Lawful Purpose.

3 ) A copy of the contract signed by both parties 4 ) Please also provide me with a True and Certified Copy ( not a photocopy ) of the Original Note under penalty of perjury and with unlimited liability and confirm that this Note has never been sold.

5 ) Please also confirm the name of the Individual who is the Duly Authorized Representative from your company, who has carried out Due Diligences under The Money Laundering Regulations 2007 and what actions he or she has taken in relation to this accoun
Consumer complaint received 2024-01-06
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)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-12-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (TX)

I was a victim in the Equifax information breach where my information was stolen by XXXX knows who and ever since I've had random charges and accounts opened. I've attempted to reach out to one of these companies in particular who will not work with me and understand and at the time I did not know my information had been stolen from Equifax at that point. Now after researching I've discovered that that is the case and I have the paperwork to show as well. I need to have national credit adjusters that shows as a write off removed from my credit report immediately as I have stated over and over and are you the fact that it is not mine and never was and I have no clue where this company even received my information from. I've never done business with them or given anybody permission to have my information so I don't know what it's even comes from but now I do.
Consumer complaint received 2015-08-14
Product: Consumer Loan — Title loan
Issue: Applied for loan/did not receive money — 
Company: TRICO FINANCIAL SERVICES, LLC (AL)

I visited a local loan provider to apply for a secured loan using the title to my vehicle. I was approved but wanted to think on it for a bit. After a week, I went back to them & told them I was ready to get the loan. The employee said yes sir, we 've had you paper work ready & approved sitting there for the last week. While I was in the process of finishing up the paperwork, I was asked to get a copy of my recent check stub & bring proof of insurance. Went to my home & called them back to make sure I was bringing back the correct information that was needed & while on the phone, a different worker that I had not been dealing with got on the phone & told me that she had remembered a loan my father had with them at XXXX time where payments were n't made on time & because of that, they would n't be able to give me the loan. She said that on the loan my father had that I had said I would make the payments in which some payments I did make for my father then he finished making payments to eventually finish the loan out but in no way was I tied legally, my name nor my credit was associated with this loan of my fathers in any sort of way. How can a loan decision for me be based off of another loan a family member had when I had no legal obligation or ties with that loan?
Consumer complaint received 2023-09-03
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: Experian Information Solutions Inc. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-05
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. (MO)

I have been trying to log into MyEquifax for YEARS. See attached screen shot. It does not load my credit report or any information and will not allow me to dispute anything. I have called Equifax numerous times, attempting to provide them with the pop up code I receive ( see screenshot ) and each time they just put me through a lengthy ID verification process and tell me that technical support will contact me through email. I am not allowed to actually talk to anyone in technical support. 

Because of this, I have been unable to dispute a collection account that was posted in error, previously disputed which Equifax incorrectly VERIFIED and Equifax refuses to provide me with an email or fax to submit my proof that this account has a XXXX balance and in fact the collection agency provided me a letter stating this collection was an ERROR and that the requested DELETION from Equifax. 

This has caused me harm including poor credit scores, higher interest rates, etc. Equifax is not furnishing correct information about me as required by LAW
Consumer complaint received 2023-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (TX)

On XXXX I applied for a Chase XXXX XXXX XXXX via the XXXX XXXX website. I applied for this credit card under the promotional offer of {$300.00} statement credit ( after first purchase ) and XXXX bonus miles. The {$300.00} statement credit was the ONLY reason I applied for this credit card. 
On XXXX I called Chase customer service to acquire in the stated promotion and was told that Chase has the right to change the promotional offer at will. This is a classic bait and switch. Again, I would never have applied for this credit card, and impacted my credit score if it wasn't for the advertised / published offer of {$300.00} statement credit. 
After a second call to Chase customer service, I was told marking would get a " service ticket '' on XXXX I received an email from Chase stated I was NOT eligible for the advertised {$300.00} statement credit. No explanation. Again, obvious Bait and switch tactic!!