davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am a person that has been taken advantage of and credit reporting bureau has violated the fair credit reporting rights and I was also not notified about any discrepancies within XXXX and Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after its all done.
Consumer complaint received 2023-05-15
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. (TX)

Please remove the account XXXX XXXX XXXX XXXX from my XXXX, XXXX, and Equifax credit reports due to inaccurate reporting. The credit reporting agencies are reporting an incorrect balance and the date that the account was charged and sold off is incorrect and according to FCRA this incorrect reporting is grounds for the removal of the account. I will attach a copy of the notice from the original creditor with the correct balance and date of charge off. Also, this balance was taken care of with the original creditor because I had no knowledge that the account was sold. The account with the original creditor is also still reporting on my account which is also a violation as well as double jeopardy. Please remove XXXX XXXX XXXX XXXX from my credit report immediately.
Consumer complaint received 2024-02-20
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. (NC)

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.

The accounts noted on attached credit report.

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 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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to express my deep concern regarding the inclusion of certain information in my credit profile. It appears that there may be inaccuracies, and it is essential to ensure that credit reporting laws, which mandate the reporting of entirely accurate credit information, are upheld. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XX/XX/XXXX ( Original Creditor : XX/XX/XXXX) XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XX/XX/XXXX - Original Creditor : XX/XX/XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XX/XX/XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

Please update the following accounts # XXXX, # XXXX, # XXXX, # XXXX, # XXXX to paid as agreed. I have filled a 1099c for each one of these accounts and they are discharged, therefore the account is satisfied. I would also like to inform you that I have sent a letter to each one of these companies opting out of any and all authorization I, the consumer may have given them written, unwritten, verbal, or nonverbal per 15 USC 6801 and 12 CFR 226.15. These are laws that they legally have to abide by or they could face civil penalties. These companies have already violated me by sharing my nonpersonal information with credit agencies because per 15 USC 6802 ( b ) ( c ), a financial institution may not disclose personal information to a nonaffiliated third part unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was never made aware with a clear and conspicuous notice of my right to exercise that nondisclosure option. Please send me any proof that they sent me a clear and conspicuous notice of my right to exercise that nondisclosure option. If not please update these accounts to paid as agreed. Also, I would like to remove account # XXXX because this account is only reporting on my Equifax and my XXXX credit report. It has been removed from my XXXX account. This is a violation of the Fair Credit Reporting Act because the accuracy of my report is not being taken seriously or treated fairly. The Financial company associated with this account number also violated me by not sending me a clear and conspicuous notice of my right to exercise their nondisclosure option per 15 USC XXXX ( b ) ( c ). Please remove this account from my Equifax and XXXX credit reports. This debt associated with this account # XXXX, was never properly verified as belonging to me. To verify please send the following documents : XXXX validation of the debt through your accounting records per UCC 3-505 according to GAAP ( Generally Accepted Accounting Principles ). 
XXXX. A copy of the original contract with verified signatures binding both parties per UCC 3-505. 
XXXX. All Payment History 4. All charges with my signature or digital signature
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (CO)

Wells Fargo froze my account because they said they thought that my paychecks were fraudulent. After going into the bank and them having me call numerous numbers they finally said they needed my employer to send them a letter and that they would unfreeze my account. My district XXXX called Wells Fargo and they informed him that everything should be good but the account is still frozen. I have bills to pay and have no food because I have no money to purchase groceries. I need them to give me my money. I am not rich and I love paycheck to paycheck so this is especially trying. Please help me.
Consumer complaint received 2021-06-28
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (OH)

On XX/XX/2021, A Affidavit Of Truth was sent to this company by USPS Certified Mail, tracking number : XXXX. Detailed was notification to this company on the violations they have committed under the FDCPA ( Fair Debt Collection Practice Act ) 15 USC 1692a ( 3 ) a Affidavit Of Truth with sworn statements under penalty of perjury to confirm all statements as facts.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Per the FCRA as federally protected consumer I am not opting out of any and all authorization of reporting. I the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (FL)

I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are medical bills that are unverified. I have on several occasions sent letters to all 3 credit reporting agencies as well as ; the collection agency, which i have not received any validation of debt. 
Additionally, any reporting of debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. 
COMMONWEALTH FINANCIAL SYSTEMS in the amount of {$410.00} XXXX XXXX XXXX in the amount of {$630.00}
Consumer complaint received 2018-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I noticed I had late payments on my XXXX XXXX XXXX after reviewing my credit report for the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This is not correct.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit report. After requesting all 3 bureaus to conduct a proper investigation referring to several Accounts shown on my credit report with multiple discrepancy 's and inaccurate information not matching in all 3 bureaus that have never been authorized by me. Surpassing way over 30 DAYS only One Bureau ( XXXX XXXX ) has taken action into removing these ACCOUNTS my FTC REPORT has been filed and attached below reporting the un-authorized accounts that have been furnished on to my credit report with out my consent! The other two bureaus have still failed to remove these accounts if one bureau was unable to verify these inaccurate accounts and remove them as displayed on my dispute results received VIA mail. I demand the other two bureaus to do the same makes no sense for them to still be reflecting on two bureaus while being DELETED from one. Credit bureaus have surpassed 30 days and have failed to take action in to responding or removing these accounts OR conducting a proper investigation according to the FCRA! This is now ground for removal.

ACCOUNT NAME - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. CODE 1681b ( 2 ) I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report if so I have asked them to provide me proof and they have also failed to do so now after 30 days which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEF.. Therefor The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S. Code 168c-2. ( ACCOUNT NAME / ACCOUNT #. ) Based on, 15 U.S. Code 1681c-2, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft not later then 4 business days after the date of the receipt. These ACCOUNTS should NOT be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b - Permissible purpose of consumers reports ( 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency 's WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of these accounts IMMEDIATELY!! 

I XXXX XXXX DEMAND EQUIFAX AND XXXX TO UPDATE MY REPORT AND REMOVE THESE ACCOUNTS MATCHING THE DIPUTES RESULTS RECEVIED BY XXXX!
Consumer complaint received 2021-06-28
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. (GA)

XXXX, XXXX, & Equifax violated my rights as a consumer pursuant to 15 U.S. Code 1681b. I did not submit written consent to these agencies for them to furnish a report. These agencies can not provide me evidence of a written consent. I contacted XXXX on XX/XX/XXXX and XX/XX/XXXX via calling to get everything on the profile deleted. They ignored my request and told me they could not delete my account. I asked them to produce documentation showing my written consent and they said they have no evidence of my written consent but still would not delete the profile. I contacted XXXX on XX/XX/XXXX via calling and told them the laws they violated and the agent disconnected the call. I attempted to speak with Equifax but the call never connected me to an agent. As a consumer I feel extremely violated.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (KS)

I have a {$15000.00} line of credit with US Bank. The XXXX balance was paid at the end of XXXX. When they had not updated the balance on my credit reports to reflect the XXXX balance, they told me to file a dispute. I did and the balance was correctly reported as XXXX. However, 3 days later, the balance was then updated to {$3000.00}, which was the balance back in XX/XX/, but again, the entire account was paid at the end of XXXX. US Bank has told me to file disputes so they can update the balance to XXXX. I have done this 3 times and each time, they are validating the balance as {$3000.00} rather than XXXX. Actually, the account is overpaid by XXXXXXXX XXXX.
Consumer complaint received 2024-02-20
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. (NV)

After reviewing my credit report I must inform you that I am NOT responsible for these fraudulent inquiries. Someone stole my identity and generated fraudulent inquiries in my name.

15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you violate this law because I am a victim of identity theft! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( 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 CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the inquiries listed IMMEDIATELY!
Consumer complaint received 2022-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Global Lending Services LLC (NJ)

I need this credit reoorting on my profile removed? 

XXXXXXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Consumer complaint received 2024-02-20
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)

In Accordance with the fair credit reporting act XXXX, XXXX, Equifax 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 WITH OUT MY WRITTEN INSTRUCTIONS 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT ACCOUNT UNDER AN OPEN END CONSUMER CREDIT XXXX XXXX FOR ANY PURPOSE I recently reviewed my credit profile and noticed inaccuracies and incomplete information and account that are un-verified. according to the fair credit report act section 611 ( 5 ) A OF THE FCRA- YOU ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION THAT IS INACCURATE, INCOMPETE PR WHICH CAN NOT BE verified.

It is also my understanding that under the FCRA 15 U.S.C 1681i every single one even each any or all the unproven, non-complaints incomplete untrue incorrect and or unverified aspects of any alleged derogatory accounts must be negated in its entirety or alleged accounts are to be deleted. 

The following derogatory accounts allegations are either untrue, unverified, incorrect, incomplete untimely not mine not mt responsibility or otherwise not proven compliant to regulatory federal reporting laws and or standards and must be removed immediately. 


The infractions are as follows. 


Alleging creditor and account as is reported as having late payments my credit report. 



I am demanding that this account be updated to paid as agreed and never late. 


By the provisions of the fair credit reporting act and per the standards of reporting compliance implemented with the CRSA enacted CDIA metro 2 COMPLIANCE regulations I demand that these above-mentioned derogatory items be investigated and permanently removed from my report.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXX XXXX XXXXXXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX XXXXXXXX is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to XXXX and EQUIFAX. By way of identity theft, said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-02-20
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 was a victim of identity theft and this is my request to remove the negative items from my credit file resulting from alleged identity theft. 
XXXX 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 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

XXXX XXXX  fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the Gramm-Leach-Bliley Act ( 15 USC 6802 ). XXXX XXXX  is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EQUIFAX by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Per the FCRA as federally protected consumer I am not opting out of any and all authorization of reporting. I the consumer may have given you written, unwritten, verbal and non verbal Per 15 USC 6802. 15 U.S. Code 1681b - Permissible purposes of consumer reports.
Consumer complaint received 2024-02-20
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. (NV)

In accordance with the fair credit Reporting act XXXX 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 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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 any purpose.
Consumer complaint received 2020-04-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC. (CA)

New accounts are on my credit report that dont belong to me. My soc # was compromised 3 times last year and data was breached 2 times this year! I am not the responsible party. They are taking my identity using it in other states, opening fraudulent accounts enough is enough!
Consumer complaint received 2024-02-20
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)

I have made numerous attempts to address this issue by submitting disputes and complaints. I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.