davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-02
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. (GA)

XXXX XXXX XXXX has illegally re-aged this account and is in violation of the Section 623 ( a ) ( 5 ) of FCRA. 

In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action In the written statement XXXX XXXX XXXX sent to CFPB, they state that the original date of Delinquency is XX/XX/XXXX but in my credit file they are listing XX/XX/XXXX. This is a clear illegal attempt to reage and a blatant violation of my rights. 

Also, XXXX XXXX XXXX did not follow federal guidelines and report this debt to the credit agencies within 90 days. XXXX XXXX XXXX did not report this debt until XX/XX/XXXX which is another violation. 

This debt needs to removed from reporting. XXXX XXXX XXXX has lied multiple times about the validity of the information they are reporting. This debt can not be reported by any agency due to the multiple inaccuracy and the failure to properly verify the debt.
Consumer complaint received 2021-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc. (MD)

On Tuesday, XX/XX/XXXX I called XXXX XXXX to check the status of a order of a SIM card that I had not received since I tried to order it almost three weeks earlier. I was informed by XXXX XXXX that I did not receive the SIM card because of a debt that had been incurred XXXX. 

According to the The Fair Credit Reporting Act of 1970 XXXX XXXX and Professional Credit Services are excreting unfair credit practices by ( 1 ) XXXX  XXXX  refused to allow me telephone services for a debt thetas ( 7 ) years old. Debt incurred in XX/XX/XXXX, of XXXX, and XX/XX/XXXX of XXXX made the debt 7 years old. 


Professional Credit Services XXXX XXXX XXXX XXXXXXXX, Oregon XXXX ; Account No. XXXX ; Debit from XXXX XXXX  XX/XX/XXXX - XX/XX/XXXX I am accusing both companies of violating my rights under The Fair Credit Reporting Act of 1970 and discriminating against me based on my age XXXX years taking advantage of me because of my age.
Consumer complaint received 2021-01-02
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. (CA)

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XXXX And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it 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 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. 

I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed ASAP I will not wait another 50 days to receive no response because clearly you all are ignoring me.
Consumer complaint received 2021-01-02
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. (WI)

I have contatced each of the credit companies and i sent in police report and ftc report someone used my idenity to get a loan witch XXXX XXXX XXXX also they have used my information to get a credit card with XXXX XXXX, XXXX XXXX ( XXXX, XXXX, and XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX/XXXX and XXXX XXXX XXXX ) I have letters from XXXX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX saying that it was proven that these accounts was open fraudulent. Each credit company got those items in the mail on XX/XX/XXXX which was sent certified mail. I asked for themm to verify and they have NEVER sent me any information from the creditor that I was the one that opened this fraudulent account, all they did was use E-oscar and that is not validation. Please remove this fraudulent account from my credit report or i will sue.
Consumer complaint received 2021-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Solidifi US, Inc. (GA)

On my credit report, it was discovered that there was a writ of XXXX XXXX and XXXX XXXX, Georgia with the plaintiff attorney XXXX and XXXX. 
I was listed on a suit with XXXX XXXX XXXX. I do not know this person. I was wrongfully noted as a defendant in this case. This notice was dated XX/XX/XXXX. 
Student loans were paid off in XXXX and this is not my obligation. 
I want to cleared from my record. It is impeding my ability to refinance my home
Consumer complaint received 2022-08-10
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. (MO)

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


XXXX XXXX Balance : {$12000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$690.00} ; XXXX  XXXX Balance : {$850.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2022-08-10
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)

I have reached out to this company for XXXX yrs and several police reports and they fixed th issues with other bureaus this company Equifax have lied never fixed anything they have reported incorrect information that have caused me not to get employment and housing. They is reporting company XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-04-15
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: GOLDMAN SACHS BANK USA (TX)

Our XXXX XXXX XXXX changed banks. There have been two issues of someone trying to steal our identity during the changeover. The new bank, Marcus Goldman, is of no help. They can not seem to do anything right. I closed down the account immediately and the fraudulent charges were stopped in time. However, I discovered through my XXXX XXXX that Marcus Goldman reported to the credit bureaus that my address had changed. I spoke with XXXX ( where the change alerted XXXX XXXX ) and got my credit account and information frozen. However, this fraudulent address is now showing on my credit report. It is not my address. I have not moved. This person apparently tried to have my address changed. Marcus Goldman will not help me fix this. I want this fraudulent address erased from my credit report. How do I do this?
Consumer complaint received 2022-10-10
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)

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

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

Account : XXXX XXXX, XXXX  DATE OF INQUIRY XX/XX/XXXX Account : XXXX XXXX, XXXX DATE OF INQUIRY XX/XX/XXXX Account : XXXX XXXX, XXXX  DATE OF INQUIRY XX/XX/XXXX Account : XXXX XXXX, XXXX DATE OF INQUIRY XX/XX/XXXX Account : XXXX DATE OF INQUIRY XX/XX/XXXX Account : XXXX  DATE OF INQUIRY XX/XX/XXXX
Consumer complaint received 2022-10-10
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. (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX 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
Consumer complaint received 2021-01-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

I deposited a personal check from my mother into my Chase checking account on XX/XX/2020 in person at a Chase Bank in XXXX, Texas. The teller informed me that the funds would be available to use on XX/XX/2020 and this XX/XX/XXXX date was reflected on the receipt of deposit that was provided to me by the teller. 

Those fund are still on hold as of XX/XX/2020. On this date I called Chase Bank and spoke and was informed it would be on hold until XX/XX/2020. My mother informed me that the fund have already left her account. Further, my mother gave my sister a check for the same amount. My sister deposited her check on a later date than me and her bank, XXXX XXXX, has already released the funds in to her account.
Consumer complaint received 2021-01-02
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: CBC Companies, Inc. (NJ)

I have made several attempt to resolve since XX/XX/2020 please the attached proof XXXX : XXXX Mortgage needs to be removed it does not belong to me, Please see the provided proof. 

Secu this account shows late payments : This account is paid never, The balance is also incorrect. I am requesting that all information be corrected Please see the attached for further information XXXX  dates are follow : Per the USPS 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX, 2020 All as shown above was recived by XXXX XXXX. 


XXXX  has declined to update my credit report, I have sent numerous request to them as well.
Consumer complaint received 2022-08-10
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. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/items information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-08-17
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. (TX)

On XXXX XXXX XXXX I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as 15 USC 1666 ( b ) the former was reporting inquiries without my permission, and the latter was truth and lending act. They are reporting a collection as an Open account that is not under FCRA Compliance. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2022-10-10
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. (IA)

all three bureaus XXXX, XXXX and Equifax are reporting inaccurate information on credit report account open on XX/XX/XXXX by XXXX while XXXX and Equifax reporting date open as XX/XX/XXXX all three bureaus report a balance of {$550.00}. Reporting incorrect date last reported as XX/XX/XXXX by XXXX while XXXX reports XX/XX/XXXX and Equifax report XX/XX/XXXX. 
Date last active reporting as XX/XX/XXXX by XXXX XXXX while XXXX reports XX/XX/XXXX while Equifax reports XX/XX/XXXX. I have tried disputing account with credit bureaus asking to delete this account as it is stated incorrectly. Stating the date of last payment as XX/XX/XXXX while payment history is reporting OK as agreed all the way from XX/XX/XXXX through XX/XX/XXXX by Equifax while XXXX is reporting consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX. Date reported on payment history makes no sense with the data reported on date of last payment. This here is a huge mistake that is hurting my credit score and holding me back from obtaining credit. there is no possible way that XXXX XXXX can report perfect payment history while the other bureau is reporting the whole opposite. XXXX XXXX makes a comment of investigation meeting all FCRA requirements I strongly disagree with the results to this investigation as you can see on my copy of credit report account this account is a total mistake itself. 
how is it possible that this account is meeting our requirements when you can clearly see that Equifax is reporting payments up to XXXX and date reported on date of last payment stops XX/XX/XXXX total mistake here. Theres no way that all three bureaus can be right if information is coming from the same furniture data. This account is only updating the date last reported re aging and pushing back the date it should fall off. It is not acceptable delete immediately account as a total mistake itself.
Consumer complaint received 2022-08-10
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. (CT)

On XX/XX/22, I sent a notice of dispute to Equifax. On XX/XX/22, certified mail confirmed this as having been received ( both attached ). According to the FCRA and 15 U.S. Code 1681i ( a ) ( 2 ), Equifax has violated my federal rights. I first spoke with representative XXXX XXXX XXXX  ), and then further spoke with XXXX XXXX ( XXXX ), who acknowledged on a recorded line that Equifax is a consumer reporting company subject to federal law. XXXX claimed that they would need XXXX days and that I should contact back even though Equifax did not respond to my notice of dispute within 5 business days of receiving it. On a recorded line, they admit to not doing, and thus, to breaking the law. I submitted XXXX items for dispute/removal and they told me to " allow them a few more days ''. The Equifax Data Sharing Policy has also violated my rights in the same way. I have not given my express, written, or authorized consent for any of the seven items being disputed. All XXXX  items I have disputed lawfully must be removed from my consumer report, pursuant to FCRA Law.
Consumer complaint received 2021-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

I am on an income driven payment plan for my FFEL Student Loans that are being serviced by Nelnet. On XX/XX/2020 I submitted my annual recertification and Nelnet sent me an email confirming that my application was received. I received no response to this application. On XX/XX/2020 I again submitted my annual recertification and Nelnet sent me an email confirming that my application was received. I received no response to this application. On XX/XX/2020, I submitted yet another application to have my loans recertified and again Nelnet sent me an email confirming my application was received. I received no response to this application. Around this same date, I sent a message to Nelnet through their website regarding this issue. I did receive a response to this inquiry stating that it would take 15 days for my request to be reviewed. 15 days came and went of course with no response from Nelnet. On XX/XX/XXXX, I sent another message to Nelnet through their website. On XX/XX/2020, I actually received an reply email from Nelnet. This time they stated that more information was needed to complete my application. I promptly provided the information that was requested. On XX/XX/2020, Nelnet approved my recertification application. In the meantime, my previous IDR expired, and Nelnet increased my payment from about {$240.00} to {$850.00} per month. I repeatedly told Nelnet that I can not afford this payment. Now, Nelnet has my loans 90 days past due and is reporting late payments to my credit report. I tried to contact Nelnet about this issue and, of course, they did not respond. I feel that Nelnets negligence caused this and my efforts to resolve this are fruitless. I hope you can help me. I have documentation of all requests I made to Nelnet if needed.
Consumer complaint received 2021-01-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO. (FL)

Chase Bank continues to report an account ( JPMCB CARD XXXX ) on my XXXX  credit report that is a business account for which I have no personal liability. XXXX, XXXX XXXX, and XXXX have all removed this item from my consumer report.
Consumer complaint received 2021-08-17
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)

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card and social security card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again