davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-14
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)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ORIGINAL CREDITORS : XXXX  XXXX XXXX, XXXX. 
XXXX  XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX XXXX XXXX, XXXX. 
Original Creditor : XXXX  XXXX XXXX, INC.account number ISNT DISPLAYED with a CREDIT SCORE OF XXXX out of the other two credit bureaus which is inaccurate because I've been contacted by MANY companies about a debt you allege I owe several times. You also have my name listed wrong, it is, XXXX XXXX XXXX. YOU ARE THE ONLY COMPANY THAT HAS NOT UPDATED MY ACCOUNT & INFORMATION THIS IS UPSURGE and unprofessional, I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately.

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate.

This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection.

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Consumer complaint received 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SF VAGO, LLC (GA)

I have paid on my State Farm account on time. State Farm has reported a late on my credit report. I provided them with information that I tested positive for COVID 19 in XXXX XXXX and couldnt leave the country due to COVID 19. They refuse to give me a COVID 19 extension, I still attempted to pay on XX/XX/XXXX and the funds were debited from my account onXX/XX/XXXX because it was by a electronic check. The company reported a late to my credit report that has impacted my credit ratings. I am attaching proof that I sent to State Farm concerning the late payment was made on time and medical documentation of COVID 19
Consumer complaint received 2022-10-09
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. (KS)

I am requesting you update your records to reflect my current address : XXXX XXXX XXXX XXXX XXXX, Kansas XXXX Account # : XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Kansas XXXX I request you to provide accurate Address information and Employer information. I am entitled to accurate reporting information Fair and Accurate Credit Transactions Act of XXXX ( amending the Fair Credit Reporting Act, " FACTA '' ), 15 U.S.C. 1681n ( a ). For willful failures to comply with the Act 's disclosure requirements, plaintiffs XXXX seek statutory damages between {$100.00} and {$1000.00}. 
Reporting incorrect/inaccurate information-Inaccurate Address Information Reporting incorrect/inaccurate information-Inaccurate Employer Information Please provide detailed description of all procedures used in your process to determine complete accuracy of the information youve reported. Once you have finished your investigations, send me a complete copy of my credit report. As proof of my address, I have included copy of my Lease Agreements dated XX/XX/XXXX & XX/XX/XXXX. 

I have also provide a letter from XXXX Insurance dated XX/XX/XXXX.
Consumer complaint received 2022-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NJ)

On XX/XX/XXXX I tried to redeem {$25.00} from PayPal Mastercard ( Synchrony ) to my PayPal Wallet. The money was never transferred. I called Synchrony on XX/XX/XXXX and they told me it would take a day. I called in XX/XX/XXXX and Synchrony told me it would take 72 hours. I called on XX/XX/XXXX and they told me it transferred and I need to call PayPal because its on their end. On XX/XX/XXXX I called Paypal and they told me it was not transferred and that I needed proof from Synchrony, to which they said they cant provided. I was transferred and disconnected multiple times as each representative did not wart to deal with it. Paypal told me they would investigate and send me immediately a confirmation of the case number. This never happened. Each side blamed the other and left me short the {$25.00} I earned in regwards.
Consumer complaint received 2022-10-09
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. (NC)

On ( XX/XX/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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect (SC)

According to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Americollect Inc. via the CFPB case number XXXX on XX/XX/2022. ( attached ) In the process of the disputed amount of {$510.00} ( totaling 4 accounts. ) Americollect Inc flagged my credit files on XX/XX/2022 for {$450.00} ( 1 of the 4 accounts. ) Please be advised that prior to my initial complaint on XX/XX/2022 Americollect Inc ignored my certified validation notice and their accounts were not reporting to my credit files. 

on XX/XX/2022 and XX/XX/2022 Americollect Inc., violated my H.I.P.P.A rights with itemized statements from XXXX XXXX XXXX XXXX containing my private medical information. I have not received any medical services from Americollect Inc. I am not a party to their agreement with XXXX XXXX XXXX XXXX. 

The itemized statement supplied by Americollect Inc was delivered before it was requested. ( Proof provided in Americollect Incs letter dated XX/XX/2022 ) Due to the business relationship with Americollect Incs medical clients ( stated by XXXX XXXX XXXX Americollect Inc uses unverified processes to violate consumers such as myself. 

I have not received any statements ( an unmarked envelope with XXXX XXXX XXXX XXXX, WI XXXX ) as stated in XXXX XXXX reply via the CFPB portal. Instead Americollect Inc flagged their account on my credit files. Americollect Inc did not supply contact information from XXXX XXXX XXXX XXXX or state why a debt was owed directly to Americollect Inc instead of XXXX XXXX XXXX XXXX. 

Americollect Inc did not request the three major credit bureaus to update their records to reflect my dispute, instead my credit files were flagged in the process of the dispute. 

I was unaware of a medical balance with XXXX XXXX XXXX XXXX. As stated in my complaint. I have contacted XXXX XXXX XXXX in the medical billing department of XXXX XXXX XXXX XXXX. 

Please see the attached itemized medical statement provided by myself with payment receipts. Americollect Inc are not holders in Due course please cease and desist. 

I will keep the CFPB updated.
Consumer complaint received 2019-01-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

On XX/XX/2016, this debt for {$1500.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the  right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all  unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2022-09-23
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: STATE EMPLOYEES CREDIT UNION (VA)

I have contacted state employees credit union about an account that should not be on my credit report. It has been over 7 years and they are reporting late payments continuously. They told me the account would be deleted in XXXX. They decided to update information and report it to all credit bureaus recently. 

They are in violation of 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 2022-10-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (CO)

Reference/Account # XXXX Not my problem and if you make it my problem, I will sue youi for way more than the collection if this reflects on my credit. 
The Director of XXXX XXXX returned these uniforms herself. 
Who is sitting in this office filing this XXXX with ZERO communication to me?? No phone calls, no emails, no texts, ect.!!
Consumer complaint received 2019-01-01
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)

XXXX XXXX failed to provide me a " Right to Cure '' and this account is still being reported to credit bureaus although it is involved in litigation. They continue to friviously report in retaliation against me to all 3 credit companies although this account is involved in pending litigation.
Consumer complaint received 2018-12-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Mr Cooper refuses to acknowledge my request for short paying my property taxes to help keep my monthly payments low so I do not struggle financially each month. I explicitly requested that they short pay the initial installment on XX/XX/2018 and they did not follow my instructions and instead paid the full amount. When I attempted to write to them to advise of this, they did not want to write back a resolution. I will not trust this company verbally to resolve and want everything in writing from them!
Consumer complaint received 2022-10-09
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. (DC)

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX 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 XXXX XXXX Equifax Account # : XXXX XXXX XXXX Bureau Code : Individual Individual Individual Account Status : Open Open Open
Consumer complaint received 2022-08-09
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)

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 2021-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (AL)

My credit report shows 7 late payments but the information is not consistent across all XXXX, XXXX and XXXX which is causing me to not get approved for a home loan. Fedloan told me that there is nothing they can do and I am just screwed and I have disputed multiple times including with the credit agencies. Please help me get all these late payments removed as they are not correct. All my forbearances were to be back dated and were not done. I disputed it and they told me per the FCRA they have to repot accurate information and clearly they do not bc I provided proof! I have also attached the incorrect reporting proof that isnt consistent!
Consumer complaint received 2022-10-09
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)

There are fraudulent accounts being reported. I submitted to the bureau a police report, theft affidavit, and identification documents. They have yet to remove all of the fraudulent accounts per FCRA 605b Block.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Except as otherwise provided in this section, 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 They are still reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-26
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)

I do not recognize the account numbers for what they are. Therefore, I am demanding that they be removed from my consumer 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 Pursuant of FCRA 623 and FCRA 605B, I am demanding that the following items be deleted from my consumer credit report XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-23
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. (DE)

" XXXX XXXX '' continues to report inaccurate information to XXXX, XXXX, AND EQUIFAX even after I sent them my dispute letter. It has now been far past the 30 days that they had under the FCRA to respond or delete this entry. 

As a result, I have gone forward and filed for Identity Theft, in which I've attached below the copy of the Affadait as well as a copy of the initial dispute letter that I sent to XXXX XXXX

According to 15 U.S Code 1681c-2, a consumer reporting agency shall block the reporting of all information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NO LATER THAN 4 BUSINESS DAYS AFTER THE RECEIPT. 

It has been 30 days and XXXX XXXX EQUIFAX are in violation of this law because I am a victim of identity theft!! 

This account should not be furnished on my consumer report as they are in VIOLATION. Under 15 US code 1681b permissible purposes of consumer reports ( a ) IN GENERAL Subject to subjection ( 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 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 the account listed IMMEDIATELY.
Consumer complaint received 2022-10-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (WI)

Since the student loan payment suspension has been in effect I have continued to make on-time monthly auto payments to NAVIENT. 
During this period NAVIENT has continued to charge my account interest on the balance. I have been under the impression that ALL interest was suspended during this period. 
Email and phone calls have produced nothing if any value to me because I am not interested in consolidation or refinancing at this time. 
Can this office help resolve this question?
Consumer complaint received 2022-10-09
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Uplift, Inc (MN)

On the eighth day of XXXX the year 2022 I XXXX XXXX Hereby certified that I am putting your company uplift INC on full legal warning. You claim you couldnt find any errors on the credit report as I have used factual base information to show you I will give you 30 days to remove the account in its entirety or else you will face the consequences! I have proof of taking legal acting before on creditors and credit reporting agencies if you dont believe me try me!
Consumer complaint received 2020-08-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (OH)

I have asked the company PayPal to close my account. They want more information from me before I can close the account. They have issued me unwanted services like debit cards but I did not request them. I asked them to close my business profile account in XXXX of XXXX but they would not and then I asked them to close my entire account in XXXX of XXXX  but they would not. 
I have a XXXX balance and zero pending charges and zero open cases. I do not want them to have my banking information or credit card information but they will not remove my banking or credit card information.
Consumer complaint received 2020-12-26
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. (IL)

Ive reached out to the credit bureaus in regards to the accounts on my credit report. These accounts were opened without my knowledge. I asked to have information regarding the original contract of these items within 30 days. The credit bureaus have not responded within 30 days of written instructions.
Consumer complaint received 2020-09-23
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)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of  the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2022-06-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the fair credit reporting act XXXX. XXXX XXXX XXXX XXXX  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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt