davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

The Family Educational Rights and Privacy Act of 1974 ( FERPA ), otherwise known as the Buckley Amendment, was passed to protect the privacy of XXXX XXXX educational records. It gives parents and students who are 18 years and older the right to access their records. It also requires that parents or eligible XXXX give permission before their information is released to a third party, except in special circumstances like transferring schools or a health emergency. My current XXXX loan servicer XXXX XXXX and the Department of Education, is in violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) because they have been reporting my loan information to third parties. This information is to be removed from my consumer credit reports effective immediately.
Consumer complaint received 2024-01-19
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)

OFFICIAL CONSUMER COMPLAINT and FORMAL DEMAND a thorough CHECK of the required CERTIFIED COMPLAINT REPORTING OF PHYSICALLY VERIFIED valid, true, accurate, complete, and timely of the reported alleged claims. Furthermore, I challenge you to provide evidence supporting these claims. As a consumer, I have the right to contest the reportability of any information that is deficient in any way. I demand that you promptly and PERMANENTLY delete any alleged claims of inquiries, delinquencies, or derogatory remarks if you are unable, unwilling, or fail to demonstrate lawful evidence as requested throughout this notice. This removal must be carried out without exception or delay. 

To Whom It May Concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. 

Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nj XXXX XX/XX/2024 Transworld Systems INC XXXX XXXX XXXX XXXX XXXX Re : Dispute of Debt and Request for Validation Dear Sir/Madam, I am writing to dispute the validity of the debt you claim I owe and to request validation of said debt, as well as to inform you that I am revoking all rights for you to communicate with me via email, text, or phone calls, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and relevant regulations, including but not limited to the following laws : 12 CFR 1006.34 ( b ) ( 5 ) ; 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ; 12 CFR 1006 ( d ), and 15 USC 1681-S . 

Firstly, I dispute owing any and all debts to your agency. As per the FDCPA and the aforementioned regulations, I am entitled to request validation of the alleged debt, including documentation establishing the validity of the debt and the right of the collection agency to collect it. Therefore, I request that you provide me with the following documents : Validation of the debt pursuant to 12 CFR 1006.34 ( b ) ( 5 ). 
Any purchase agreement or assignment documentation proving that your agency has the legal authority to collect this alleged debt, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). 
Proof that your agency is licensed and bonded to collect debts in my jurisdiction, as mandated by 12 CFR 1006 ( d ). 
Any additional relevant documentation supporting your claim. 
Please note that failure to provide the requested documentation within the legally prescribed timeframe will result in the presumption that this debt is invalid and unenforceable, and any further attempts to collect on it will be in violation of the FDCPA and other relevant consumer protection laws. 

Furthermore, I am exercising my right to revoke any prior consent I may have given for you to communicate with me via email, text, or phone calls. Henceforth, all communication regarding this matter must be conducted through written correspondence sent to the address provided above. 

I expect your prompt attention to this matter and a timely response within 30 days, as mandated by law. Failure to comply with my requests will result in further action being taken to protect my rights under the FDCPA and other applicable laws. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-01-24
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

It is utterly unfair to come across late payments on my account, especially given my unwavering history of timely payments. I demand the prompt correction of this error. I kindly implore you to swiftly rectify this situation and guarantee that my account accurately represents my history of punctual payments.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

My information was sold and bought illegally because I was a victim of the Equifax state of breach. I want these items deleted from my credit report immediately. I am attaching proof that Equifax has admitted that I was victim of this state of breach and Equifax has done nothing. 

Please help me delete these illegal items for my credit reports.
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Correction of Personal Information on Record Dear Sir/Madam, I am writing to request an urgent correction of my personal information that has been inaccurately recorded and possibly disseminated. It has come to my attention that there are multiple errors in records associated with my name and address, which I wish to rectify immediately to prevent any potential issues related to identity theft or financial inaccuracies. 
The correct information should be as follows : * Name : XXXX XXXX XXXX * Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX * Employment : XXXX XXXX XXXX However, the following incorrect information has been associated with my identity : * Alternate Names : XXXX XXXX, XXXX XXXX XXXX XXXX * Incorrect Addresses : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The presence of this incorrect information is deeply concerning to me, and I am anxious to ensure that my records are accurate. I respectfully request the CFPB to take the following actions : * Investigate the origins of these errors. 
* Update my records to accurately reflect the correct information provided above. 
* Confirm with me in writing once these updates have been made. 
* Advise me on measures I can take to protect my personal information and prevent such errors in the future. 
I trust that the CFPB will address this issue with the urgency and seriousness it requires. Please contact me if you need any additional information or clarification regarding this matter. I look forward to a prompt resolution. 
Thank you for your attention to this important matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (UT)

I had a vehicle repossessed in XXXX. It was a voluntary surrender- this is not accurately reported. I settled for less than the full amount owed in XXXX of XXXX. My credit report accurately reflects this. It accurately reflected that the account was closed, and no more late payments were added to it throughout the rest of XXXX. Then, suddenly, at the beginning of XXXX in XXXX, it began reporting as late payments, and have done so every single month since. I have called the bank, and I have disputed through the credit bureaus ; the bank is refusing to fix this information. I legally settled my debt, and I do not have any late payments since, as those can not exist on a payment which has been taken care of, yet my reports reflect an additional THIRTEEN late payments beyond when I paid off my debt as agreed with a qualified agent. This is absolutely obliterating my credit score. It also lists all the payments I did make as " unknown. '' So, they are omitting 2 years of positive payments, and adding an additional year of impossible " late payments ''!
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-04-05
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. (NY)

I've recently obtained copies of my personal consumer credit reports and have noticed questionable or insufficiently verified data within my file at your company 's offices, as outlined in my reviewed documents. I'm worried that this information might have been mistakenly or intentionally added back to my credit report by your offices after being removed from reporting, without providing the necessary five-day notice to me, as required by reporting regulations that your company must adhere to. 

According to the Fair Credit Reporting Act ( FCRA ), any previously removed reporting item can not be reinserted into a consumer 's credit report without written notice from the relevant credit reporting agency or agencies directly to me, the affected consumer, within five business days of the alleged reinsertion date. I want to make it clear that I haven't received any such notice or confirmation regarding the accuracy and completeness of the reported claims.

Your agency is in violation!

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. 

Listed below are the Personal Information that are being challenged Incorrect DOB : - 1999 Incorrect Name : - XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX 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 2023-06-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Brock & Scott, PLLC (GA)

I am being sued in the wrong venue by a law firm claiming to be a debt collector. According to the FDCPA the proper venue for this debt is the district court. This law firm does not have a valid contract after askiing to validate the debt and is now filed a complaint in a state court. This is a violation of the law. 

They also ignored my requests to produce the contract and have not done so.
Consumer complaint received 2023-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

This is 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 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: EQUIFAX, INC. (MI)

There is a past-due payment recorded on XXXX and Equifax of a balance of {$0.00}. A {$0.00} past-due balance is ironic, this means I have no past-due balance. On XXXX, there is no such remark, and my payment history is perfect. You can see even on equifax and transunion records themselves it says {$0.00} past-due. The inconsistency of these bureaus are so obvious, as for equifax, on their website it says my XXXX is 60 days past-due, and on their mobile app it says 30 days past-due. And on both, it says there is no recent delinquency! Each month 's credit report has different things to say. I have called at least XXXX times and disputed 5 times through Equifax and 3 times through XXXX, and all representatives found it peculiar that the past-due balance was {$0.00}. 

The reason behind this issue I believe : My XXXX credit card had autopay turned on and never turned off. On XX/XX/2023, I got a notification that there was a past-due payment on my account, and my credit scores from all XXXX major bureaus dropped immediately. I called XXXX right away and asked about the issue and they said there was a {$6.00} past-due balance. This was very strange as I never turned off auto-pay. It was later I found out through XXXX and later confirmed by a representative of XXXX, that XXXX XXXX XXXX ' autopay gets automatically XXXX after 6 months of no use of the card. THIS IS RIDICULOUS! and the representative agreed that this is not my fault and therefore dispute it and remove the record off my account. 

The next day, XXXX and Equifax took it off my record and my credit scores were recovered. I was still waiting on XXXX. 

XXXX, Equifax rolled back on that decision and dropped my score again with the record back on their file. However, the only record they had was that there was a late-payment and the late-payment amount was {$0.00}. The account status was " in good standing ''. When I called the XXXX line they said XXXX did not provide them with enough paperwork to reverse the record, which was very weird considering XXXX was fixed and never rolled back. 

So I have a record on late payment of {$0.00} that is affecting my credit score with no reasonable person to talk with on equifax or transunion other than the offer to just file yet another dispute, which I know will be ruled against, despite the obvious fact that the late amount due is {$0.00}.
Consumer complaint received 2024-04-05
Product: Credit reporting 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 looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

In XXXX & XXXX of XXXX  I called XXXX several times to correct my name, address, and employment. The customer service reps gave me a hard time. I was told I couldnt change my own information. Very rude people working at XXXX. My acct is locked due to someone stealing my social security info during the pandemic. Every time I called I went through high risk and passed. It shouldnt been an issue. They kept transferring me around to different reps. By law I have rights to make sure my personal information listed on the 3 credit agencies are correct, so that my information wont end up in someone elses hands. Especially all the different addresses thats listed. Important information can go to the addresses thats listed. No one should be treated how I was treated. 

XXXX & Equifax was very nice. Once I passed high risk they stated they would submit the changes. The only issue I have is they didnt correct the changes I asked.
Consumer complaint received 2024-03-12
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)

In accordance with the Fair Credit Reporting Act this creditor 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 payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (NE)

On XXXX XXXX XXXX I asked MOHELA to please forebear my student loan account until my SAVE application was processed. They said they would forebear it until the end of XXXX and that it should be enough time to process the application for SAVE I submitted back in XXXX XXXX XXXX 

I have had to wait over 40 minutes at the least for an answer to their customer service line and I keep getting bills for amounts that I can not afford. Then when I only pay the amount I applied for, I am told that the ful amount is past due and could be sent to collections. It's stressful to think I could be sent to collections when I am doing everything I can to get this situated with little to no response from the servicer 's end.