davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

On XXXX I sent a letter to Equifax regarding inaccurate and negative information on my credit report. 

It has currently been more than 35 days and I have yet to receive a response. I feel like I'm being taken advantage of and my disputes are being ignored. Section 611 ( a ) plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 35 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: 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. (PA)

Hello, my name is XXXX XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 

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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Consumer complaint received 2017-03-23
Product: Credit card — 
Issue: Payoff process — 
Company: JPMORGAN CHASE & CO. (ME)

My mother passed away on XX/XX/2017. I 've called Chase card services twice to see how to proceed and they state they can not discuss anything with me. I 've called on XX/XX/2017 and now XX/XX/2017. I 'm at a loss as to how to proceed to handle anything as the card company will not provide any information as to how to proceed.
Consumer complaint received 2021-03-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (GA)

Discover card reported 2 late payments on the account when in fact the account was set up on auto pay and the two " late payments '' actually did happen. I contacted Discover and the credit bureaus and they did not change it. I also provided them with a statement showing the minimum payment was debited out of the account.
Consumer complaint received 2022-10-09
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc. (FL)

I was notified my credit score was decreased by over XXXX points because Aargon Agency submitted a delinquent record. I have no dealings with a Aargon Agency and have been in dispute with the totals directly with XXXX XXXX. 

I received zero communication via phone nor written correspondence from Aargon before adversely impacting my credit. XXXX consumers have to work twice as hard to maintain good credit. I had a score well above XXXX for it to be demolished overnight. 

This is something that should never be permitted.
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. (GA)

I am going to try this one more time before I seek legal action!! The account reporting on my credit file from XXXX is being reported on my Equifax credit report TWICE!! The XXXX account for {$550.00} account number XXXX is posted to my Equifax credit report TWICE. I said this twice because their investigation is coming up short both times because they are NOT addressing my issue. I have attached a copy that Equifax claims they verified that clearly shows after an investigation the duplicate accounts are still posted. This is a violation of my rights by both Equifax and XXXX. If this isn't corrected I will be forced to sue.
Consumer complaint received 2022-10-09
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HYUNDAI CAPITAL AMERICA (GA)

Dear Hyundai Motor Finance I, the consumer and natural person, was denied credit by Hyundai Motor Finance l when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Hyundai Motor Finance due to the response I received. Hyundai Motor Finance is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Hyundai Motor Finance. If Hyundai Motor Finance fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Hyundai Motor Finance criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Consumer complaint received 2021-07-20
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)

FCRA Violations ; not mine ; see addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$460.00} Amount {$460.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification RETAIL Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$510.00} Amount {$510.00} Status Date XXXX  XXXX, XXXX Status UNPAID Balance Date XXXX  XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # XXXX Creditor Classification CABLE_OR_CELLULAR Last Payment Date Date of First Delinquency XX/XX/XXXX Comments Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2022-07-03
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. (TN)

I did not consent to or benefit from the following information XXXX, Equifax, & XXXX listed on my consumer report, block or remove the following account XXXX XXXX XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed your are civilly liable for reporting the information and its also inaccurate.
Consumer complaint received 2021-03-12
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 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 im 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 promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2022-10-08
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. (MS)

I am a natural person, I am a living human being, I have rights 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish accounts. 

Accounts XXXX XXXX XXXX - Opened XXXX, XXXXXXXX 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 2022-10-08
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION (CT)

On XX/XX/XXXX Peoples Bank became M & T bank and without my permission or knowledge they withdrew all the money in my account {$5400.00} and closed my checking account. 
I filed a claim and it was denied. Banker said it was a debt owed to them by my ex Husband. I have not seen my ex since XXXX and know nothing of his debt and I am not responsible for it. MT needs to contact him. 
That was my money and my paychecks that I deposited, which I needed to feed my children and pay my mortgage. I am a single mom with XXXX kids, working every day to support her kids by herself with no child support. MT bank has no right to steal my money and needs to return it immediately! 
MT bank stole my paychecks, Stole my money. they are thieves. I worked for that money to raise my children. they stole the food from my childrens mouths. 
I want my money returned. They had no right to steal it. 
This caused a reaction of returned payments on credit cards. I was charged fees and had accounts closed. Including my loved XXXX XXXX  which offered 5 % discount on all purchases. I used this account to buy all our groceries and home and personal needs. 
I am asking for my money back XXXX plus {$3000.00} for fees and hardship caused by MT banks actions. 
BANKS SHOULD NOT BE ALLOWED TO STEAL MONEY FROM SINGLE MOMS AND DESTROY LIVES!!! 
DID THE BANKER AND HIS KIDS GET TO EAT? DID THE BANKER PAY HIS HOME? 
Please help me and my children get back on our feet and return what is rightfully ours. 
Banks should not be bailed out! Humans first! 
I thank you in advance for your help XXXX
Consumer complaint received 2018-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
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 — Account information incorrect
Company: EQUIFAX, INC. (OH)

On XXXX, Equifax, and XXXX XXXX, theyre reporting my student loans from XXXX XXXX as late which is untrue. I sent several letters stating that there should not be late payments and they refused to update their records. This was sent in XX/XX/2022.
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. (NC)

My complaint is against Equifax. They are currently reporting inaccurate, unverifiable information for XXXX Bank. I have asked them to delete this tradeline from my credit report, and they are refusing to do so. There is absolutely no way they could have verified and validated the debt as that company doesn't even exist. They are currently in violation of 15 USC.

I am demanding they delete this tradeline they are reporting by XXXX Bank immediately!! If they continue to refuse to delete this unverifiable tradeline I will file a smalls claims suit against them for {$1000.00} per violation of the FCRA and they will have to report to a venue local to me to defend themselves.
Consumer complaint received 2021-07-21
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. (IL)

Well I see where Ive had points deducted from my score for no reason, and Ive had points taken off for the same thing twice in a row also points taken off my score for paying off a loan that should be a good thing. 68 points taken off for no reason at all, but I know the reason because there was an account that wasnt mine and I disputed it, long story short I paid them to stop reporting it, but the credit bureau took it off and removed it 3 times and so somehow they just decided to put 68 points and then removed it again and again Im confused as to why these people who cant speak English have control over my life and whether I can get a house loan, after I downloaded the XXXX  app I realized that they are the best credit bureau because they let you and help you take control of your credit and life and allow you to make a job out of it and be responsible with money and credit, equifax is getting better since my complaints but still them and XXXX  are the worst you cant even access XXXX  website hardly they make it unfair but really they have fixed some points from the credit card utilization which is still not right because its my money and not loaner money so they shouldnt get a say in how much I use as long as its paid on timely fashion some things dont make sense and I will continue to report and expose anything that isnt right oh and one more thing, how come they all dont talk to each other because equifax removed the inquiries but now I have to fight the other bureaus to get them removed its like they wont just check the data base that equifax already has and see that its been investigated and these companies wouldnt have to work so hard and would have all the correct information if they would just communicate with each other and I wouldnt even be complaining about it they could just follow suit with equifax and removed them but what do I know about wasted time and making things better. Apparently nothing
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

XXXX XXXX XXXX are reporting my account closed as of Apr XXXX and late payments for the entire tire i had the car which is inaccurate.and its showing charged off, so why i am still making payments on time over the last 18 months. i have tried to correct the issue with no results, they are causing me to become depressed and damaged my credit from getting anything.
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. (OH)

Equifax is furnishing multiple student loans on my consumer report for {$67000.00}, {$10000.00}, and 9 accounts with a {$0.00} balance illegally without my consent. 

Pursuant to 15 USC 1681 ( 3 ) Congress makes it clear that Equifax has assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

Pursuant to 15 USC 1681a ( 4 ) Equifax didn't exercise their grave responsibility with fairness, impartiality and respect for my rights to privacy.

Pursuant to 15 USC 1681 ( a ) ( d ) ( 2 ) ( A ) ( III ) Equifax violated my consumer rights because they never gave me a chance to confirm nor deny if a consumer transaction ever took place they just assumed it did.

Pursuant to 15USC1681b ( 2 ) Equifax violated my consumer rights because I never gave them written consent to furnish anything on my consumer report. THIS IS IDENTITY THEFT.

Pursuant to 15USC 6802 ( b ) ( 1 ) ( a ) my consumer rights were violated because I was never given the clear and conspicuous disclosure that I can Opt out.
Consumer complaint received 2022-10-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MONEY SOURCE, INC., THE (TN)

This is a continuation of XXXX # : XXXX COMPLAINT ID XXXX XXXX TMS  wrote me claiming claiming that they resolved part of the problem they caused but is still trying to stick me with the XXXX XX/XX/2022. 

Meanwhile when myself and the insurance agent called TMS, there representative discovered and informed us that they were sending the payment to a different property address. As a result, they didnt make the payment for the right address hence the lapse. 

TMS is trying to falsely make me responsible for their mistakes.
Consumer complaint received 2022-10-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc. (NC)

I was evicted in XXXX for paying my rent late. It was at XXXX XXXX. Public housing. The time that I lived there the Apt had mildew and the XXXX did nothing about it. I was late on my rent XXXX  times. Each time they put an eviction notice on my door. The first XXXX I payed my rent and was allowed to pay. That is on my credit report. XXXXXXXX XXXX XXXXXXXX is the collection agency and the time has run out to collect. They just put it back on my credit report and I want it taken off. If I contact them it will start the process over. I left a XXXX XXXX abusive relationship to live in mildew. I didnt know until I went to court that I could have filed against her to take care of it. I used legal aid and they never told me that.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

On XX/XX/21 The accounts related to XXXX XXXX XXXX  were paid in full {$1100.00}. The accounts are still listed on my Eqiufax credit report as in collections. I have attempted to contact XXXX  and they have informed me that they have reported the accounts paid in full and will not assist me with getting the information removed.
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

Equifax, XXXX, and XXXX  are not complying with their own policies in a timely manner they are taking longer then 30 days to investigate.
Consumer complaint received 2021-07-20
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

I was illegally moved out of my lease after putting a notice to vacate and was precise that I would finish lease but wanted to put in advance of 60 day window to be able to keep deposit. They moved me out of apartment while I was still paying rent ( on time ) was never notified of situation. The sent remaining money that would have been on the lease straight to collections and didnt work or talk anything out. Lease ended this month this collections where sent in XXXX so lease was almost up. They sent me a bill saying XXXX on XX/XX/25 but sent to collections a bill of XXXX. The apartments are XXXX XXXX XXXX in XXXX XXXX and debt collection agency is XXXX XXXX.