davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-07-24
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: EQUIFAX, INC. (NY)

Dear Equifax Consumer Relations, I am writing this letter to express my deep frustration and concern regarding the lack of response to a dispute letter I sent to Equifax on XX/XX/23. It is disheartening to note that my dispute was neither acknowledged nor addressed, and Equifax has failed to update and note this on my consumer report. This situation is deeply troubling as it significantly impacts my creditworthiness and appears to be a violation of my rights under 15 US Code 1681s-2. 

As a diligent consumer, I exercised my right to dispute inaccurate information on my credit report through a formal letter sent to Equifax. However, to my dismay, Equifax has neglected its obligation to respond and rectify any inaccuracies in a timely manner. This lack of responsiveness and failure to acknowledge my dispute raises questions about the integrity and reliability of Equifax 's credit reporting practices. 

Under the provisions of 15 US Code 1681s-2, consumers have the right to dispute inaccuracies on their credit reports, and credit reporting agencies, including Equifax, are legally obligated to investigate and correct any errors promptly. The non-compliance with this statutory obligation is deeply concerning and undermines the confidence consumers place in credit reporting agencies. 

I want to stress that the accuracy of my credit report is of utmost importance to my financial standing and overall well-being. Inaccurate information can have severe repercussions on my ability to obtain credit, secure favorable interest rates, and make significant financial decisions. The negligence displayed by Equifax in handling my dispute threatens my financial reputation and stability.
Consumer complaint received 2022-06-04
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. (MO)

In accordance with the fair Credit Reporting act These accounts included with date. 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 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 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 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 they 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 a account without written instructions.
Consumer complaint received 2022-03-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (CA)

This loan was acquired in XX/XX/XXXX with a monthly payment of {$720.00} and at the time I was never told the interest accrued daily but was told I could make principal payments and there was no prepayment penalty. I have been attempting to make an additional {$100.00} toward the principal since XX/XX/XXXX with the exception of XX/XX/XXXX additional payment was {$73.00}. Per my welcome letter, additional monies would be applied towards the principal in accordance with the contract and once I realized the overage wasnt being applied to principal, In XX/XX/XXXX I spoke to a XXXX which said I must add a memo designating such. I informed her that I pay through online banking and at that time I couldnt add a memo. She agreed that a flag would be placed on my account designating all overages should be applied towards Principal and would contact the XXXX XXXX to re-apply the overages. In XX/XX/XXXX I began to send the overage separately and after my monthly payment in hopes to alleviate the confusion to no avail. I have talked to several Managers with promises of correct this problem and still no resolution. This is frustrating and very disappointing because I am trying to shorten the terms of this loan without success. Also the terms of this loan changed on XX/XX/XXXX without notification.
Consumer complaint received 2022-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (NJ)

I noticed a decrease in my XXXX credit score on XX/XX/XXXX. It stated that I owed IC Systems {$100.00}. There was very little information about the debt and I was not even aware of owing anyone. I pay my bills on time. I disputed this debt through XXXX and it was removed the next day. Then the same debt popped up on my XXXX XXXX report on XX/XX/XXXX. I filed another dispute but this time the company stated the debt is accurate. I tried to file a dispute on ICSystems website but I need an account number. However, that was never provided because I was never notified directly that the debt even existed. I do not believe it is mine.
Consumer complaint received 2022-06-04
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: Penn Credit Corporation (PA)

Penn credit Corp. and XXXX credit bureau are falsely reporting a collection to my credit history. Account listed I have no record of and my PECO bill is paid and current and has been for many years. Furthermore Ive never authorized given or allowed pen credit Corp. to have any of my personal information including address date of birth Social Security number so on. or access my personal credit report. 

I believe that the collection account is a mistake a fraudulent account identity theft or simply belongs to someone with a similar name.
Consumer complaint received 2022-10-17
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)

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. 

Accounts : 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 PA XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency 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 2022-06-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (TN)

This debt was reported as a collection on my credit report. I disputed it because I have no knowledge of it. The leasing company called Acima XXXX FKA simple claims that it is legit but i did not lease anything from them. I was never notified of such debt. I want to be cleared of it.
Consumer complaint received 2022-03-05
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TN)

Regarding existing disputes filed with CFPB : # XXXX - Equifax # XXXX - XXXX  Both companies have suggested I contact them via their toll-free numbers. 
This is a joke. 

I have searched the internet for any number that will allow me to speak to a person. I only get an automated voice that verifies my identity XXXX times and wants to help me, by stating " is this a general question about credit, if yes, press 1 '' if you do they give you a list of items that have nothing to do with your issue. If you do not choose one, they end the call. If you do, you answer no to the questions and say representative, over and over, it says " I can only connect you with a representative under certain specific circumstances '' then back to zero, start again. 

My files on this fraudulent bankruptcy include deletions from XXXX the third-party provider of information to the CRAs on Public Records , a statement from the Bankruptcy Court that they do not verify anything to the CRAs, and that I should look at the information on credit repair contained in the FCRA. 

My file is over XXXX pages, including a recent letter from Equifax to verify my identity! 
They have received copies of my license, ss card, leases, etc. dozens of times. If they can not identify me, why are they publishing damaging fraudulent credit information? Especially since this all occurred from their data breach which the settlement administrator is preparing to pay me the maximin cash amount of a paltry {$20000.00}, which I feel I should decline and am inclined to allow my law firm to open a class action suit on the class action suit and settlement, but that would hurt many people who have already paid over and over. Then I said, " why not let the CFPB help me, as they have many times before, and they are getting a significant amount of money from the Equifax breach. '' So here is my complaint. 
I want a phone number where I can reach a human at Equifax and XXXX and I would like to know how I can opt out, as I have done with XXXX XXXX, permanently from the CRAs, I do not need them. 
Thank you XXXX XXXX Oh, I am vision impaired, making it a chore, one I gladly do, to read the pointless letters I receive from the CRAs.
Consumer complaint received 2022-03-05
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. (TX)

On XXXX sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MI)

Back in XX/XX/2022 I was charged {$850.00} for a charge thru XXXX, I responded ASAP to Citi Cards and told them I did not make that charge. They investigated and only took half off on the dispute sometime in XX/XX/2022, saying I still owed {$420.00} so they said they would dispute that amount. and on the XX/XX/2022 statement the amount of {$420.00} was not even showing on the statement, but it was included in the bill and they were trying to get me to pay it by sneaking it into the statement. I called them and they said not to pay it, so I didn't and then on XX/XX/2022 I called them because they had put a {$6.00} Interest charge on my bill for not paying the {$420.00} bill.So the lady I talked to says she was removing the {$420.00} and the {$6.00} interest charge and told me to call Citi on Monday XX/XX/2022 and get a status update..I did and they didn't know anything about it and they told me they reopened it and it would be resolved by the end of this week. This issue has gone on for over 90 days, for which even your own site says they can't go that long on a dispute. My credit cards in previous months were fraudulently used like 2 or 3 times and each time Citi Cards would stop the card. They have issues at there business with people doing fraudulent claims wnhen it happens to me that many times, all my other cards I use have no probelms like that.
Consumer complaint received 2022-06-04
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. (TX)

In accordance with the Fair Credit Reporting Act, these Inaccurate accounts has violated my rights and therefore must be removed from my credit report : 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 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 
15 U.S.C. 1681 623 " Responsibilities of furnishers of information to consumer reporting agencies. 
I submitted a report from the Federal Trade Commission in regards to the Identity Theft that took place with regards to my credit. The Bureaus and furnishers have been contacted and have not corrected the fraudulent accounts showing in my credit report.
Consumer complaint received 2022-03-05
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. (NC)

I went on all three credit bureau website based upon the information supported by XXXX XXXX and XXXX. 
XXXX and XXXX ( personal loan ) account balances are incorrect. Both accounts are at {$0.00} balance. I am hoping CFPB can get this corrected in XXXX. These {$0.00} balances occurred XX/XX/XXXX and XXXX XXXX. 
Experian website has not updated account since XX/XX/2022. I am assuming the other two have not been updated as well.
Consumer complaint received 2022-06-04
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. (CT)

In XX/XX/XXXX, XXXX commenced servicing of ( XXXX ) student loans issued by XXXX XXXX XXXX / XXXX  which reflects a current outstanding balance of {$21000.00} and {$23000.00} as if XX/XX/XXXX ( last reporting period ). In XX/XX/XXXX, i applied for the XXXX XXXX XXXX XXXX XXXX ( XXXX ). As a result, both loans were transferred on XX/XX/XXXX from XXXX to XXXX for processing. On XX/XX/XXXX, XXXX completed the processing of my XXXX application which was approved and as a result, both loans were canceled and the balances were zeroed out ( {$0.00} ). Since information regarding student loans are not required to be reported to the credit agencies, XXXX or XXXX did not report such transfer which continues to show that XXXX is servicing the loan. On XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX, I submitted disputes with XXXX, Equifax and XXXX disputing the accuracy of the balance and each time the resolution resulted in the balances remaining the same/accurate. I submitted verification letters from XXXX and XXXX showing a {$0.00} current balance to no avail. I contacted XXXX on XX/XX/XXXX and requested that the update my information with the credit agencies but they informed me that since they no longer hold the loan, they are unable to update the information and that i should contact XXXX. I spoke to XXXX but the said that they will send me a verification letter and that i would need to contact the credit bureaus to get this information updated, but this effort has failed multiple times.
Consumer complaint received 2022-03-05
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. (MI)

Early in XXXX I began to receive emails and phone calls from XXXX. I have never used XXXX, so I assumed these contacts were fishing attempts. Later I discoverd that XXXX had pulled up a deliquient account from XXXX, with my name and address on it. They explained to me that the bank who had opened the account in XXXX is no loner in service, but in XXXX they reinstated this transaction. Apparently someone opened this account, but left it with a deliquent balance. I have made dozens of calls to XXXX, made contact with at least 6 account managers and investigation personal, and no one seems to bring me to a full knowlege of anything about this fraudlent account. I was finally told by a gentelman named " XXXX '' that the case had to go to the " back office '' to be resolved. In the meantime I have only received " Claim Review Completed '' letters, stating my claim is not approved because I " authorized, participated, or benefited from the purchase. '' I have come to the conviction that this response will only be repeated again and again. 
I know that this is an unauthorized fraudlent account for many reasons. In XXXX, when XXXX claims I opened this account, I was a full time, inner-city missionary in XXXX. I lived in a mission compound in a very depressed section of XXXX, serving the needy in that community. I did not own a computer or have any knowledge of XXXX. I did not own a home, apartment, automobile, and rarely shopped. I did not even receive pay or salary. I lived by faith and was a full time volunteer. Later in XXXX, began to teach school, and worked in the XXXX XXXX XXXX with displaced teens. I now work at XXXX XXXX  XXXX XXXX with XXXX kids. 
My credit report shows that I have never had a deliquient account, except this, which somehow, after 15 years is now appearing. I am in the middle of applying for a mortgage and my credit score has taken a hit, and it is imperative for this to be removed immediately, as it restricts me from qualifying for a conventional loan.
Consumer complaint received 2022-03-05
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: EQUIFAX, INC. (FL)

On XXXX.2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-04
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. (MN)

Attached to this report is a Identity Theft Report from the Federal Trade Commission. The following accounts and credit inquiries listed on my XXXX and Equifax credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXX XXXX XXXX : XXXX, {$450.00}, XXXX XXXX XXXX  : XXXX, {$110.00}, XXXX, XXXX  XXXX XXXX, XX/XX/2022, and XXXX XXXX XXXX XXXX, XX/XX/2022
Consumer complaint received 2022-03-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FEDChex Recovery, LLC (CA)

XXXX XXXX XXXX was the durable medical equipment provider for a XXXXXXXX XXXX, which I had in XXXX. I had many negative experiences with this company, due to their lack of professionalism. They tried giving me an outdated machine, which my doctor had not prescribed. After not getting what I wanted The follow up was extremely poor. 

In XX/XX/XXXX, the owner of XXXX, XXXX XXXX left a phone message asking for a serial number of a brand of machine I didnt even have. 

Any money that would have been owed on this equipment would have mostly if not completely paid by my medical insurance company, XXXX ( XXXX XXXX XXXX XXXX ), at the time. 

Unfortunately, I was given erroneous information from the SSA and XXXX XXXX XXXX regarding my medical coverage. Both entities told me I could stay on the XXXX XXXX XXXX XXXX XXXX XXXX, even though I was XXXX XXXXXXXX. XXXX stopped paying my medical bills when they discovered I was Medicare eligible, which was XXXX XXXX, XXXX. It wasnt until XX/XX/XXXX, that this matter was resolved and any reversed claims paid by XXXX, would have then been then been paid by Medicare, retroactively. 

I have not received, nor heard from XXXX XXXX XXXX since XX/XX/XXXX, when I spoke and emailed XXXX XXXX, owner of XXXX. His representative handling my supplies had not been responsive to poor quality accessories I needed for the XXXX I never did hear from them again and found a new supplier for my accessories. 

I do not understand why after nearly five years, I am getting a collection notice on XXXX behalf.