davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-06
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. (MO)

The Credit Bureaus have done terribly nothing! I have been sending countless dispute letters as well as submitting numerous CFP complaint and it is clear that the Credit Bureaus have never paid attention to my disputes. Under the FCRA section 605b, the Credit Reporting Agencies are required to remove any account and information that resulted due to identity theft and provide proofs of verification if the Credit Bureaus claim that the items are verified. But upon reviewing a copy of my updated Credit Report, the Credit Bureaus still include reporting the disputed accounts and information without sending me copies of documents bearing my signature. I have read enough to understand my rights which is clearly being violated by the Credit Reporting Agencies. I am submitting this CFPB complaint to remind the Credit Bureaus of my disputes and hopefully remove the disputed fraudulent accounts and information completely from my Credit Report as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX Balance Owed : {$55000.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$970.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Balance Owed XXXX {$400.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX Balance Owed : {$1200.00} DP OF EDUC XXXX Balance Owed : {$4900.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$3700.00} DP OF EDUC XXXX Balance Owed : {$7400.00} DP OF EDUC XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I was a victim of fraud and there is an XXXX XXXX  XXXX XXXX something that keeps appearing on my credit after I have advise all 3 reporting agencies to remove it. They are updating it as old. XXXX being the most recent company I have reached out to and my identity is not being identified on many platforms. As well they have me listed as living in XXXX when I have did a credit check through them and at least two of my credit tradelines have reporting My updated address they will not update my personal information and old debt off my credit report no matter how many times we seek help. 
I can't get help on the phone as I can not be identified because they have the wrong information. 
This is ongoing.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (CT)

It has been nearly 12 weeks since I filed a travel insurance claim with Chase Card on XXXX. The claim was filed via XXXX and assigned claim number XXXX. It has been followed up with emails. I have supplied all the documents they requested. They have not denied the claim and have not been responsive. A summary of the claim is attached. Additional supporting documents are available.
Consumer complaint received 2022-04-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (FL)

I sent a debt validation/verification/dispute letter to this collection agency. This debt is not reporting as " consumer disputes '' on my credit profile. This was sent certified mail with return receipt and I did get a signed return from I. C. system. 
tracking number : XXXX XXXX XXXX XXXX XXXX The agency has failed to report this account as disputed, this agency has failed to provide evidence this debt belongs to me. Please remove this debt from my credit report.
Consumer complaint received 2022-09-06
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. (PA)

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX  XXXX XXXXBalance XXXX {$730.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$610.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  ) XXXXBalance : {$790.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXXBalance : {$1400.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX XXXXBalance : {$1300.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$2600.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00} XXXX  XXXXBalance : {$0.00} XXXX XXXX Balance {$270.00} ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$330.00}
Consumer complaint received 2022-09-06
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Additionally, I was never late on this account, balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 


XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance $ XXXXLate/Open Late Date XX/XX/XXXX
Consumer complaint received 2022-09-06
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. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (TX)

I am a human being & i have my rights which i have rights unde

r 15 USC 1681. Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I DEMAND the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and i did not give Equifax permission to furnish these accounts Account Name XXXX XXXX XXXX Account # xxxxxxxxxxxx XXXX Account Name XXXX  Account # xxxxxxxxxxxx XXXX Account Name XXXX Account # xxxxxxxxxxxx XXXX Account Name XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account # xxxxxxxxxxxxxxxx XXXX Account Name XXXXXXXX XXXX Account # XXXX XXXX
Consumer complaint received 2022-12-18
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (MA)

I made a purchase from the XXXX using PayPal. I assumed they would add a fee, and did not research this before the transaction. when the transaction went through I saw that the " fee '' was excessive, over 6 %. when I contacted them about it they directed me to their Legal page, which I looked at, and still only saw that it may cost about 3 or 4 %, depending on a few things. I told them again I thought it was excessive. they then directed me to a link that shows their conversion rate, with a " spread ''. First of all, they make up their own conversion rate, and secondly I do not think they make this page easy to find, or even make it known there is such a page. This seems like fraud to me.
Consumer complaint received 2022-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC (FL)

I requested forbearance in XX/XX/XXXX before my loan was transferred from XXXX XXXX to Gregory Funding. At the time my loan was transferred to Gregory Funding, it should have still been in forbearance. I applied for a modification with them, but I have not gotten an approval as yet, so therefore my loan should have remained in forbearance. 

However, on XX/XX/XXXX I got a notice that I'm in Loss Mitigation, which is incorrect. It said that I was more ten 4 months behind. I can not be in forbearance and loss mitigation at the same time. I should not be in Loss Mitigation because my loan should still be in forbearance until I reach a loss mitigation agreement with your company. I spoke to a manager XXXX today XX/XX/XXXX who advised of my monthly payment due in the amount of {$940.00} -- he also said my loan was out of forbearance for which I have received no written notice. The person working on my account is XXXX XXXX who I have not been in contact with. Per my conversation with XXXX, I intend to make that payment immediately. Therefore, I need Gregory XXXX to present a Loan Modification agreement which takes me out of forbearance. 

In addition, I need my account updated to show that none of my payments should be listed as late as I should still be in forbearance. 

It is very difficult to get someone to speak to at this company. There is a lot of conflicting information given and other times a complete lack of communication. If I do get a chance to speak with someone at this company they give me misinformation. I need these discrepancies rectified. 

XXXX XXXX
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (TX)

accordance with the Fair Credit Reporting act Account # 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
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (MD)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXXXXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXXXXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, and XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-04-20
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. (MD)

I get my annual credit reports every year. I look it over to check for errors. On Equifax credit report, it is still showing my " XXXX XXXX XXXX '' account. ( This was paid off XX/XX/XXXX ). It shows it is closed. ( Under other accounts ). However, it should have come off my credit report in XXXX. I have called and disputed with Equifax many times. They tell me to call XXXXXXXX XXXX XXXX. I call them, and they said they took care of it on their end, and to talk with Equifax. Since I have disputed it, they are now using that date, for last activity date. So they told me now the date it will be taken off is XX/XX/XXXX! XXXX and XXXX have taken this account off a long time ago, without me even having to ask. I am a federal employee and I get credit checks every 10 years for my secret clearance, and I want this off! TY!
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (MT)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act, XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (MT)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (TX)

I am a natural person im a living human being i, have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts below listed be removed because According to 15 USC 1681 : I have the right to privacy & i did not give equifax written permission to furnish these accounts Accounts : XXXX XXXX Account # xxxxxxxxxx XXXX
Consumer complaint received 2022-09-06
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. (CA)

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5500.00}, XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX, XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$0.00}, XXXX XXXXXXXX : Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}, and U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XX/XX/XXXX Asset Amount : {$0.00}.
Consumer complaint received 2022-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CA)

I purchased a used XXXX bag from a person on an XXXX called XXXX ( like XXXX ). I Zelle her {$2000.00} in full amount ( her zelle account is XXXX and my zelle is XXXX ). She said she is living in Texas, but per the tracking number she gave me, it is a package shipped from XXXX from XXXX. 

She refused to provide my any evidence of the shipping label fee she paid. And as I know, she is also trying to sell XXXX bag valued over {$10000.00}.
Consumer complaint received 2020-08-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (OH)

I'm not familiar with this account and did not have the opportunity to dispute it, so please DELETE, Also, the account does not have the LAST DATE OF ACTIVITY, which is a violation. 

Please provide the following : Verification, Method of Verification, Validation of Debt, and Assignment of Debt. 

Midland Funding # XXXX
Consumer complaint received 2022-09-05
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: EQUIFAX, INC. (TX)

I am a natural person, I am a living human being, I have rights under USC 1681. 

Equifax is govern by 15 USC 1681. And They violated my rights numerous of time. I demand the accounts listed below be removed because ; According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts ; XXXX XXXX XXXX / Account = # # # # # # # # XXXX XXXX XXXX XXXX Accunt = # # # # # # XXXX XXXXXXXX XXXX XXXX/ Account = # # # # # # XXXX XXXX XXXX XXXX Account = # # # # # XXXX XXXX XXXX XXXX XXXX / Account = # # # # # # # # # # # #  XXXX XXXX XXXX XXXX / Account = XXXX XXXX XXXX / Account = XXXX XXXXXXXX XXXX / Account = XXXX XXXX XXXX XXXXXXXX XXXX Account = XXXX XXXX XXXX XXXX XXXX XXXX I have recently discovered Equifax have been giving out fake scores. Their improper and misinformation has resulted in my higher interests rates, in turn causing high monthly bill payments..
Consumer complaint received 2022-09-05
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 — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir or Madam : I am writing to alert you that I have been the victim of identity theft, and that my personal financial information has been used without my agreement or knowledge to acquire credit, products, and/or services on the above-mentioned account. I am asking contact from you releasing me from liability for this debt and informing credit reporting bureaus and collection agencies of this fact. Thank you in advance for your consideration of this issue.
Consumer complaint received 2022-09-05
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. (RI)

I have previously disputed these items with you Reference # XXXX XXXX bankruptcy XXXX, XXXX XXXX Bankruptcy XXXX and XXXX XXXXXXXX bankruptcy XXXX. In response you verified these items as accurate, stating that you have verified the information with the court. I contacted the court reported as the furnisher and attached is their response. It is clear they do not report to you or to any credit bureau for that matter ; therefor your original response verifying these items with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681 ) and the information must be " deleted immediately ''
Consumer complaint received 2022-09-05
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (TX)

I have sent numerous letters to Ally Financial about them reporting 30 late payments to all three credit bureaus. I did a payment extension with Ally financial and the continued to report that I was 30 days late for 30 payments. I have tried to contact them in writing numerous times and on the phone but to no avail. I dont even get a response in the mail. I transferred my loan to another bank due to these issues. the late payments need to be taken off immediately or I will have no choice but to seek legal action against Ally Financial.