davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (WA)

I have contacted Experian a few times asking for verification. They must get an automated response because I have not received verification of my signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by federal law to verify through the physical verification of the original signed consumer contract. I have requested this a few times that now when I make a dispute online with Experian it will not let me saying, " I have already disputed. '' There are 3 accounts all the same company this negative reporting info is hurting my credit. 
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX 3. XXXX XXXX Please help resolve this issue.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

I've contacted the Credit Reporting Agencies several times both via phone and mail to see why discharged accounts that have been canceled on behalf of the creditor are still be reporting to my credit report. Per IRS, once the creditor has discharged the account, the debt is now canceled and/or forgiven. The debt is now taxable income and is being filed on my taxes. INCOME AND/OR TAXABLE INCOME CAN NOT BE REPORTED ON A CONSUMER 'S PROFILE AS DEBT.

In accordance with 15 USC 1681 ( E ) B, each agency has the responsibility of reporting maximum accuracy to my consumer profile. 

These inaccurate accounts being reported are severely impacting my ability to obtain credit.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (AR)

To Whom It May Concern : I am disputing the XXXX hard inquiries on my credit report, which I believe resulted from an identity theft. According to the Fair Credit Reporting Act ( 15 USC 1681c-2 ), consumer reporting agencies must block information on a consumer 's credit report that the consumer identifies as resulting from alleged identity theft. Because these XXXX hard inquiries appear to stem from identity theft and not my own credit applications, I request that you immediately delete them from my credit report to comply with the FCRA. Please update my credit report as soon as possible. 

Thank you for your attention on this matter.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( 8 ) ( iii ), these creditors are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of-the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that description as according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ).

In the results of your first investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''.

Who in your company verified these accounts?

How did they verify them?

Please provide me with the name of the individual, business address and telephone number of the person or business contacted during your reinvestigation.

Include the documentation that was used to verify the dispute.

You have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) ofthe FCRA- you are required to " ... promptly DELETE all information which can not be verified. " The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply.

I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-09-02
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. (OH)

I am in total disagreement with Credit Bureau investigation response. The fraud items listed below still appear on my credit report, even after their investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Consumer complaint received 2019-05-29
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. (NJ)

Enclosed is a letter from XXXX dated XX/XX/XXXX providing direct evidence that I am no longer liable for the XXXX Account # XXXX on my current Equifax Credit File. This further supports proof that they continue to request immediate removal of this account from my Equifax Credit File. This is due to its extreme age and statute of limitations that require Equifax remove it by federal law. I also spoke with a Supervisor named XXXX located at the Nevada XXXX on XX/XX/XXXX at XXXX XXXX who also stated that Equifax would remove my XXXX Account effective XX/XX/XXXX due to the extenuating circumstances/mortgage and adherence to the Fair Credit Reporting Act.
Consumer complaint received 2016-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (MI)

See page XXXX of attached .pdf and the last sentence in particular. It discusses IBR as the third option that affects an outcome, and also as it was intended to be used. It is a XXXX creation in retrospect as viewed from XXXX. It has been misused by colleges and servicers alike, since XXXX. The 57 % default rate requires a forensic audit by the federal government in order to see how both colleges and servicers manufactured huge default statistics when income dropped to zero for many students during unemployment, due to the so-called Great Recession. The IBR form, was in this attachment, already set up for failure in distorting income information as this describes in detail in the .pdf. By XXXX, servicers compounded that distortion by reaching back into irrelevant earnings from previous years for unemployed students approaching a Government Shutdown, who had an immediate qualification status, due to XXXX unemployment. It matters not what happened in years past. No bearing on cureent income. Yhe .pdf talks abbout a four-year income. What? Where is the reality check in XXXX, given that thinking? The 57 % default rate was no accident! Those students - like me who qualified with XXXX other servicers holding a fist full of loans - were denied by a XXXX servicer based pn the same identical income answers. That bogus income verification fed an agenda by servicers to do a metadata grab ( that XXXX would envy ) in requesting instant access to IRS data when that had no bearing on students who were unemployed filling out IBR forms annually. The problem with government forms, like the IBR form, is that only the current status of students is relevant - and not necessarily provable - to the IBR. Preventing default was not part of the objective. It should have been priproty # 1!!!!! No oversight to stop defaults by overzealous illogical servicers. Only manipulation of income afformation was. That was a false premise. Record numbers of students are unemployed, qualified for IBR and unable to " prove a negative '' ( absence of income ) using the IRS. XXXX is not taxed. That is the problem. The unemployed served to create the 57 % to get faster information about the 43 % the next year. Problem : once again, faster information from the IRS is not what the decisions are actually based upon. They are based upon previous years thst have no bearing on the current income of the student debtor. The CFPB should take this XXXX .pdf and the XXXX statistic and see which colleges and which servicers misused the IBR and do an autopsy on how the defaulted loans were defaulted on students who qualified. This is outrageous!
Consumer complaint received 2016-09-15
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NJ)

I consolidated my loans with Fedloan Servicing and the monthly payments are too high. I have repeatedly contacted them about the issue and submitted documentation/request for a lower payment plan but have received no response from loan servicer. I am attempting to pay what I can afford monthly but since they have not responded to my request for a lower payment my account is delinquent.
Consumer complaint received 2020-12-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (TX)

This is a medical bill. I have insurance that the emergency room should have billed. I was never given any knowledge of this bill. They violated my HIPPA rights sharing this information with a 3rd party collection agency instead of correctly filing with my insurance or even giving me a chance to file with my insurance.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent item on my credit file. Despite multiple attempts to rectify this situation, the fraudulent item persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent item is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Item : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience. 

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assisstance to remove this fraud item in my credit file : XXXX XXXX XXXX Balance : {$1500.00}.
Consumer complaint received 2021-01-22
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

On XX/XX/XXXX at Ace Check Cashing a cashier 's check from a online job offer in the amount of XXXX after 30 min of varification was as hand back to and she said I can't cash this
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I received a copy of my credit report and found the following itemsto be errors. You know, I'm tired of sending letter after letter to your company. I've wasted a lot of time trying to get this matter resolved, yet you still will not conduct a proper investigation into my account. It seems to me that your company ignores the laws put in place to protect consumers like myself.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT accounts listed. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions.
Consumer complaint received 2024-02-19
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. (CA)

I want fraudulent account deleted from my credit report immediately. This account along with other accounts have been reported/disputed numerous times and my rights under the FCRA are being violated. I am a victim of identity theft and I have provided all necessary paperwork including id theft reports from required government entities, and I have also provided all necessary identification documents. Delete immediately and provide written proof of deletion as well. I will be filing civil lawsuit against all entities involved including the original creditor, the collection agency who purchased the illegal debt, and all the credit bureaus who publish this illegal debt
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (RI)

Equifax is reporting an inquiry on my credit file. On XX/XX/2024 XXXX XXXX  got a report of my credit without my authorization. I have no business with that company.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TN)

I SENT A WRITTEN LETTER TO THE THREE REPORTING COMPANIES TO ACCURATELY MAINTENING MY CURRENT ADDRESS AFTER I EXPERIENCED IDENTITY THEFT SITUATION USING MY PREVIOUS ( 2 ) ADDRESSES. HOWEVER, ONLY EQUIFAX DID AS REQUESTED. 
ATTACHED IS A COPY OF MY MYSCOREXXXX XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

I have a BOGUS late payment on my mortgage loan account. i was never late. The company XXXX XXXX sent me my statement where it does not show ant LATE PAYMENTS. XXXX XXXX also said that I was never late. I send letters to the bureaus asking or deletion of late payment and they have not done so. please see the documents that will show you that there is NOT ONE LATE PAYMENT on my account. 
This needs t be deleted from my credit report ASAP and the bureaus simply say that this issue has been UPDATED or VERIFIED!
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (VA)

I was unable to maintain a reservation with XXXX HOTEL in XXXX Florida due to an XXXX which would require emergency XXXX as soon as possible. The XXXX indicated that I should not fly before the procedure and that the procedure would need to be conducted under XXXX. 

I would like to also point out the following statement contained on the documentation supplied by the XXXX HOTEL : " Please note that this special rate requires a full pre-purchase, non-refundable deposit at the time of booking '' My monthly statement reflected a deposit in the amount of {$30.00} that was both credited and debited in the SAME DAY. However, the XXXX HOTEL instead charged the entire value of the booking. At no point during the booking process was it ever stated by the merchant that the entire booking was non-refundable. The {$490.00} amount charged to my AMEX account was the FULL COST OF THE BOOKING NOT A DEPOSIT!!!!! It appears that the XXXX HOTEL deceitfully credited back a deposit ( {$30.00} ) in an attempt to extort the value of the entire booking instead.
Consumer complaint received 2024-02-18
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 am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IN)

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX ( XX/XX/2023 ), XXXX  ( XX/XX/2023, XXXX ( XX/XX/2023 ), XXXX XXXX XXXX ( XX/XX/2023 ), XXXX  ( XX/XX/2023 ), XXXX/XXXX  ( XX/XX/2023 ), XXXX  ( XX/XX/2023 ), and XXXX ( XX/XX/2023 ).
Consumer complaint received 2020-07-06
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am requesting for XXXX  to block and remove these fraudulent accounts immediately under FCRA or legal actions will be taken. I have sent multiple faxes to Consumer Affairs Office in XXXX, GA but no actions have been taken. 

These fraudulent accounts have caused me to lose out on job opportunities as well as denied applications from creditors because XXXX refuses to remove these fraudulent and identity theft accounts. These type of matters need to be taken serious by XXXX. Please block and remove these fraudulent accounts within four days : 1.CAPITAL ONE / SAKS F  | XXXX Balance : {$3000.00} 2. CAPITAL ONE / NEIMAN | XXXX Balance : {$3400.00} 3. XXXX XXXX | XXXX Balance : {$1400.00} 4.  XXXX XXXX  | XXXX Balance : {$8600.00} 5. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance : {$1100.00} 6. XXXX XXXX XXXX  | XXXXXXXXXXXXXXXXX Balance : {$5200.00} 7. XXXX/XXXX XXXX XXXX XXXX  | XXXX Balance : {$5000.00}
Consumer complaint received 2020-11-18
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: Experian Information Solutions Inc. (CA)

Misinformation has been placed : Incorrect address, Telephone number, Name, and Information. I need this to be investigated and fixed immediately! 
Here is the list of all the account : 1- XXXX  XXXX  Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX 3- XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) Account XXXX XXXX 4- XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) Account # XXXX 5- XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account # XXXX 6- XXXX Account # XXXX 7- XXXX XXXX XXXX XXXX Account # XXXX 8- XXXX XXXX XXXX Account # XXXX 9- XXXX XXXX Account # XXXX 10-SXXXX  Account # XXXX XXXX Account # XXXX 12-XXXX  Account # XXXX 13-XXXX  XXXX  Account # XXXX 14-XXXX Account # XXXX 15-XXXX XXXX  Account # XXXX 16-XXXX Account # XXXX
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (RI)

I have an account with XXXX many years ago and paid it off. XXXX decide to sent it for collection but the account was paid off already. I request Equifax to deleted this account from my file. This is hurting my positive credit score. Plus this account belongs to my ex wife. Another issue is that this account is been updated every year with different amount and is appear double account in all the credit bureau. Which is violating the fair credit reporting act.