davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Consumer complaint received 2024-10-28
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-28
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. (GA)

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

Account Status : XXXX : Closed with " Charged off as bad debt. '' XXXX : XXXX shows as XXXX and " Past due 150 days. '' Equifax : Closed with " Charge-off. '' Issue : There is inconsistency in whether the account is reported as open or closed. Since its marked as a charge-off, it should likely be consistently marked as closed across all bureaus. 

Closed Date : XXXX : XX/XX/XXXX. 
XXXX : No closed date listed. 
Equifax : XX/XX/XXXX. 
Issue : The closed date should ideally match or be close across all three bureaus. The absence of a closed date in XXXX creates inconsistency. 

Payment Status : XXXX : Marked as a charge-off with no recent payment status. 
XXXX : Shows " Past due 150 days '' but does not specify charge-off. 
Equifax : Lists " Charge-off. '' Issue : Payment status should align, especially since it's charged off.

Payment History Reporting : XXXX : No payment history is reported ( " None Reported '' ). 
XXXX : Lists a continuous charge-off status ( CO ) from XX/XX/XXXX through XX/XX/XXXX, with a " XXXX '' day late mark in XX/XX/XXXX. 
Equifax : Shows XXXX XXXX late entries for XXXX and XX/XX/XXXX, then no further payment history after that until XX/XX/XXXX, which shows as " OK. '' The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. 

Please update my credit report accordingly and provide me with a confirmation of these corrections. 

Thank you for your prompt attention to this matte
Consumer complaint received 2020-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

My personal information is reporting incorrectly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX
Consumer complaint received 2024-10-04
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/year> I opened an XXXX XXXX Business Checking account for my XXXX XXXX. 
I wrote a check from my personal Wells Fargo account to my XXXX business of {$8000.00}. I deposited the check, the money left my WF account, then got to my XXXX business after a week on XX/XX/XXXX. 
2 days later the money bounced back out of my XXXX business ( the XXXX representative informed me that they were missing some authorization from WF ), but never made it back to my personal WF account.

I opened a claim with WF ( the claim i over the period of 120 days and they can not find my money ). 
XXXX says the money actually never made it to my business account. 
WF says they can not get in touch with XXXX even though there is a claim in action. WF sent 3 letters to get in contact with XXXX, but XXXX  says they never received any form of communication from WF. 
The claim was to close on XX/XX/scrub>XXXX XXXX XXXX but has just been extended indefinitely. 
Of course I have been in contact with WF constantly but they can not give me a proper answer on how theyre handling this claim/investigation.
Consumer complaint received 2020-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

I have contacted Enhanced Recovery Services located at XXXX XXXX XXXX | XXXX | FL | XXXX over 50 times starting XXXX XXXX to present to delete a negative credit reporting on a fraudulent XXXX account. On XX/XX/2020 XXXX issued a letter of deletion to the bureaus and directed ERC to remove immediately as it was under ERC name. XXXX is no longer a client of ERC and therefore I was not required to pay ERC any money. I have also requested a full refund but have not heard or received anything from. As if this date, the negative reporting is on all 3 bureaus. I have tried to contact their corporate office called The Office Of The President but it goes straight to voicemail after 15 attempts. I am in escrow since XX/XX/2020 and this has caused a severe delay in closing my loan and is causing me a financial hardship, as well as a low credit score affecting my loan approval.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. XXXX credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-28
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. (TX)

Errors on my credit report related to 15 USC 16c-2 show unauthorized hard inquiries, which are hurting my score. Please remove all inquiries I didnt authorize. Thank you.
Consumer complaint received 2020-06-24
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: TekCollect Inc. (FL)

I have this company listed twice on my credit report as owing {$220.00} and {$220.00}. I have no relation with this company and have never received nor applied for credit with this company. 

1. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Amount {$220.00} 2. Tek Collect Inc/ XXXX XXXX XXXX Amount {$220.00}
Consumer complaint received 2020-06-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MI)

On XX/XX/2020 I was seen at XXXX XXXX. I presented my health insurance card as it had changed in XXXX. I specifically advised the person at the clinic and they made a photo copy of it. I received a bill in the amount of {$35.00} for this visit and noticed that the visit was improperly billed under my old health insurance. I also verified the information with my health insurance carrier and was advised that it was billed incorrectly. 

I tried contacting XXXX XXXX on multiple occasions and so did my mom. After dozens of unanswered calls, my dad contacted XXXX corporate and demanded that someone stay on the line until a member of XXXX XXXX answered the phone. After about 45 minutes, he was able to speak with a representative and gave them the correct billing information. 

XXXX XXXX XXXX never re-billed the account as they stated that they would and turned this over to collection. 

There should be a second bill for {$39.00} for a XX/XX/2020 follow which was also billed incorrectly. 

My dad contacted the Collection agency TransWorld Systems at  XXXX regarding this account and advised them to cease and desist any further collection attempts. The account number with TransWorld is XXXX. XXXX XXXX 'XXXX  account number is XXXX XXXX
Consumer complaint received 2020-06-23
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

I have been having problems with Fedloan for over a year. I have sent them messages and been on the phone with them more times than I can count. They reported me as late many times when I was supposed to be on an income based repayment plan and my payment was approved at {$0.00}. Then, right about the time Covid 19 started or just before, Fedloan decided to report three of my six loans with them as delinquent. I then applied for a consolidation loan and asked that it be with them since my other loans were still with them. That was a mistake because they somehow denied my consolidation. My credit score has been so badly affected that my wife and I were recently denied a loan for a new home. I have worked for the same XXXX XXXX for 7 years and we pay our bills on time! There is no reason why this should be happening to me. They denied my application for public loan service forgiveness too. It has just been awful dealing with them. I need some relief and some help.
Consumer complaint received 2020-06-23
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. (CO)

The 3 major credit bureaus are up to their dirty tricks again. Reporting false and inaccurate addresses on my credit files. 

they are reporting the following addresses which are INCORRECT 1. XXXX XXXX XXXX XXXX, NC XXXX ( I DO NOT LIVE IN NORTH CAROLINA ) THE ONLY ADDRESS THAT SHOULD BE REPORTING ON ANY OF MY CREDIT REPORTS IS XXXX XXXX XXXX XXXX  XXXX CO XXXX ARE THE BUREAUS THIS DUMB TO REPORT AN ADDRESS THAT IS SIMILAR BUT IN AN ENTIRE DIFFERENT STATE. THIS IS WHY THEY MAKE ERRORS ON PEOPLES CREDIT TO INTENTIONALLY HURT THEM AND RUIN THEIR CREDIT.
Consumer complaint received 2020-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CO)

Equifax - their web site said my report wasn't available. I called, a male representative verified my information, and said to order my Credit Report again via XXXX  ( which I had already used ). So, I started it all over again, and it did the same thing ( my report wasn't available ) and to fill out a .pdf form, add copies of various personal information, mail it in, and I would get my report in 15 days. I decided to called the number on the .pdf form to find out why it wasn't giving me immediate access to my report. A very friendly lady asked me to verify my information again, and said " that's fine, but we still have to mail it to you and it will take 15 days ''. So, that is the way I left it, even though I needed the report immediately. There was absolutely no reason for my report to " not be available ''.
Consumer complaint received 2020-06-23
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. (AR)

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-06-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I sent an application to refinance our existing loan with Chase ( 1st ) & XXXX  XXXX XXXX ( 2nd ). I sent them documents as requested. On XX/XX/XXXX XXXX advised Chase needed to send me a revised Loan estimate. Due to miscalculation of escrow needed. XXXX advised they were requiring 18 months of monthly income to be shown in a savings account, Ira, etc. In my Ira I have approximately {$41000.00} and in a savings account I had {$9800.00} which XXXX advised we needed to put in an additional {$10000.00} which I got from my husband and he provided them with a gift letter which they requested. On XX/XX/XXXX XXXX said they still wanted to see an additional {$2200.00} which I transfered from my checking account. On XX/XX/XXXX Chase sent me an email stating : XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( 5 days ago ) Hi XXXX, Your home loan application documents will be available for the next 30 days. 

To download these documents for your records, sign in to your account. 

Please contact us if you have any questions. Were here to help. 

Thanks, Your Chase Home Lending Team I sent it to XXXX and asked him to call me. 

He called me and said that he didn't understand but he stated they were concern about the large deposit of {$10000.00} which they were provided a gift letter from my husband. 


Now to give you the reasoning to refinance and details of my finances. 
My husband and I wanted to switch the existing variable loans to a fixed and take advantage of the current lower rates. I have no mortgages under my name and my husband has several so we decided to refinance under my name and allow him to remove this mortgage for any future additional business loans he may want. 

My total credit outstanding is {$8600.00}. 

Your XXXX  Credit Report from XX/XX/XXXX Showing report for : XX/XX/XXXX Credit Score Fico Score XXXX is XXXX XXXX  Data XX/XX/XXXX My total debt is comprised of : XXXX {$1700.00} Balance updated XX/XX/XXXX Exceptional payment history XXXX   XXXX {$5900.00} Balance updated XX/XX/XXXX Exceptional payment history XXXX CARD {$950.00} Balance updated XX/XX/XXXX Exceptional payment history The XXXX is used and paid by my husband. I'm on as an additional card holder as well as my daughter. 

Overall Credit Usage is : 8 % Credit used {$8600.00} Credit limit  {$90000.00} The total mortgage of both loans equal {$190000.00} and are actually paid by my husband. 

I earn approximately {$85000.00}. 

Regardless of who pays I believe I highly qualify under any government guidelines or regulation s for this type of mortgage. 

I can only believe that the bank is reluctant to earn less due to the reduced interest. 

That to me should fall under unfair banking which I would hope this body will look into. 

Please advise if you need any of the documentation I have provided XXXX  and I will gladly forward them. 
My loan Id # is : XXXX I hope you assist me in this matter.
Consumer complaint received 2020-06-23
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (LA)

XX/XX/2020 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to Equifax, XXXX, XXXX. 

I didn't hear back so I sent a Demand to comply with investigation on XX/XX/2020. 

Today is XX/XX/2020 and I still haven't even heard yet back from these Companies yet ; this has been over 42 days ago.!!
Consumer complaint received 2020-07-20
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. (TX)

I file a depute on XXXX to your company XXXX for incorrect information reporting on my credit report which you fail to investigate in the 30 day time frame by law you are required to respond which means the invalid information must be deleted from my credit report Im demanding you delete this inaccurate information immediately! A 30 day none respond letter dated XXXX was also sent please take care of this issue immediately! Thank you.
Consumer complaint received 2020-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX I noticed accounts on my credit report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX, and XXXX. 


I didnt hear back so I sent a demand to comply with investigation on XX/XX/XXXX Today is XX/XX/XXXX and I still havent heard from these companies.