davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
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)

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-10-29
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. (IL)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2019-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I had my mail stolen/lost. I am XXXX years old. Upon my son helping me check my report online, I found that someone has applied for credit without my authorization at several companies. I have attempted to contact the companies directly and have reached out to all 3 of the reporting agencies. I sent in my police report that I filed with the police department along with a letter that explained what has happened and what companies pulled my credit without authorization.
Consumer complaint received 2022-11-07
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. (MI)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( a ) ( XXXX ) ( A ). Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX. Account name : XXXXXXXX XXXX, XXXX Original creditor : XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX Account Number : XXXX XXXX. XXXX. Account XXXX : XXXX XXXX : Account XXXX XXXX. XXXX : Account XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX. XXXX XXXX XXXX ; Account Number XXXX XXXXXXXX XXXX Account Number : XXXX XXXX 's Account Number XXXX
Consumer complaint received 2021-09-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (MS)

Citi bank announced offer of XXXX $ bonus for opening city priority package earlier this year ( as I did in XXXX of XXXX  ) with XXXX thousands dollars as a requirement to be deposited first 30 days and to be kept there for following 60 days to be able to receive this bonus after 120 days of Citi priority package and keep account opened for 6 months straight. 
I met all those requirements but when called city 6 months later after XXXX  XXXX to ask where is my bonus of XXXX $ was told that I was not qualified as when I was doing that online application there was some glitch in system that didnt apply the code correctly. 
I explained to them that the same month when I opened City priority and transferred money to that checking and savings account I called bank ( end of XXXX ) and specifically asked representative if code was posted correctly and I was qualified for receiving bonus the response was YES. 

Bank need to stick to their announced promises, not to give false and fraudulent promises to the customers while utilizing their money for their own benefits. 
If one banker said all requirements were met to get a bonus, the other banker several months later should not say contrary. They need to be in the same page. The glitch of the system is a vague and poor excuse not to pay bonus to the client after they use your money for 6 months straight!!!! Citi Fraud alert!
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items.
Consumer complaint received 2021-04-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (TX)

In XX/XX/XXXX, I was laid off from my job due to the company closing. I immediately attempted to find a new job and had difficulty in doing so. I continued making regular mortgage payments using my severance and unemployment. In XXXX of XXXX the Covid pandemic hit, therefore making it even more difficult in gaining employment. My loan was currently being serviced by XXXX XXXX. I contacted them in XX/XX/XXXX explaining the hardship I was enduring and they placed me on a Forbearance. On XX/XX/XXXX, I gained regular employment again. In XXXX, after receiving my 1st paycheck, I applied for Loss Mitigation assistance stating I had regained employment and was able to make my payments again, but needed assistance in bringing my loan current. In XXXX, XXXX responded with " Congratulations, you have been approved for a loan modification. you just need to make 3 trial payments for XXXX, XXXX and XXXX. '' They said they would be sending me the trial plan, to which I still to date have not received, after numerous requests. I made the 2 trial payments - XXXX, XXXX and XXXX XXXX then transferred my loan to LoanCare for subservicing on XX/XX/XXXX. I called LoanCare in XXXX and they told me they did not have all my documents, but could see I was in Loss Mitigation. I explained I had submitted all the trial payments and again requested the documentation be sent to me regarding all Loss Mit on my account. The lady I spoke with told me to keep sending my trial payment, so I continued to make my payments at the trial amount. In XXXX, I contacted LoanCare again to ask what was going on with my Loan Mod, again I was told they had not received all the documents from XXXX and therefore could not proceed forward. I was told it took 60 days to obtain all documents once a loan was transferred and to continue to make my trial payment. I did continue to make my trial payment. On XXXX, I contacted LoanCare again, to which the customer service basically told me I was denied, they were reporting delinquency to the Credit Bureau and that if I wanted any mod, I would need to start the process all over. They returned the payment I had just made on XX/XX/XXXX and she stated I didn't satisfactorily complete my trial. I have filled out and started the process all over again to ensure I avoid foreclosure. I would like for my credit reporting to be corrected as I should have never been denied in the first place. I would like for my account to be re-reviewed and the original loan mod that was to have taken place to begin in XX/XX/XXXX to be reinstated. A customer should not have to suffer due to lack of efficiencies from one company to another on a servicing transfer.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account XXXX XXXXXXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and 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 reported in XXXX AND XXXX to be removed. 

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. 

XXXX XXXX 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! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-10-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WY)

I have submitted over 10 dispute letters to XXXX transunion and XXXX over the last 2 years and also asked for the creditor to seize all communications with me and the credit agencies according to 15 usc 1692 c and the creditors keep calling me and also reporting inconsistent inaccurate information to XXXX transunion and XXXX.also I've notified the creditors and the XXXX XXXXXXXX and transunion that they are reporting inconsistent incomplete inaccurate information on my credit report.i am attaching a credit report feom today XX/XX/year> from smart credit and highlighted all of the inconsistent information being reported. When ever a credit report is not reporting XXXXpercent accurate information concerning the individual about whom the report relates.these accounts are the result of idenity theft and fraud and i demand to block the following accounts within 4 business days pursuant 15 usc 1681c-2.also the dates of activity opened dates closed dates dispute status are all inconsistent across all 3 credit agencies.i am no longer liable for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am also attaching the ftc report # XXXX and the idenity theft Affidavit as proof that im a victim of identity theft.
Consumer complaint received 2022-12-28
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)

On XX/XX/XXXX, XXXX XXXX submitted a collection account to XXXX, Equifax, and XXXX in the amount of {$780.00}. On XX/XX/XXXX, I agreed to settle this balance with XXXX XXXX for an amount less than owed, and submitted payment. As such, on XX/XX/XXXX, I received a " Release of Debt '' notice from XXXX 's collection agency, and each of the credit repositories began reporting the account as " legally paid for less than the amount owed '' and/or " paid after collection. '' Sometime in XX/XX/XXXX, XXXX updated this reporting to " paid after charge off, '' which is incorrect. In an effort to resolve the matter, I contacted XXXX XXXX, paid the remaining balance, and obtained a letter from the creditor confirming that the account was paid after collection. In addition, I submitted three dispute claims with XXXX, along with supporting documentation from XXXX confirming the account 's status. However, the trade line has not yet been corrected. Although my credit scores for each of the repositories are XXXX, XXXX, and XXXX, respectively, I have been denied credit since XX/XX/XXXX, from creditors that have previously granted me credit. Upon receipt of each of the Adverse Action Notices, the sole reason for denial has been the " paid after charge off '' reported account.
Consumer complaint received 2021-04-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc (TX)

Received a debit card in the mail XXXX from Chime with instructions on how to activate the debit card. I did not under any circumstance open the account nor did i give anyone permission to open a account under my name. I have recently been a victim of identity fraud so all 3 credit bureaus have been locked. Apparently Chime does not require a credit check so someone was able to open the account without being flagged to the creditors. I contacted Chime thru email the very next day to get them to close the account and they stated they need a copy of my drivers license to verify and close the account. It seems they require more from you to close an account than to open one. I called the number multiple times and cant get a live person on the phone. I want this account closed right away to make sure no harm is being done. Its outrageous that you have to send them such private information to delete an account but dont require any prove of your identity when opening an account.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (ID)

There is a collection account on my credit reports for {$24.00} from Trident Asset Management. It states the original creditor in XXXX. I never received any bill from XXXX so I contacted them and was told they didn't show any past debt. Surely I would not have allowed a {$24.00} debt to go to collections. 
Trident Asset Management will not remove this collection from my account even though I do not believe it is mine and XXXX has verified this.
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Amount : {$470.00}. Please see attached for proof of claim.

15 U.S. Code 1666b - Timing of payments U.S. Code XXXX XXXX XXXX XXXX XXXXXXXX is in violation of my federal rights by reporting late payments. ( 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. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XXXX XXXX XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX XXXX, 123 Stat. 2998. )
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an XXXX XXXX helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und 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 accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2021-04-09
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC (IL)

Westlake Financial is reporting this account inaccurately with all ( 3 ) bureaus XXXX XXXX, XXXX  and XXXX. This account is XXXX XXXX XXXX XXXX XX/XX/2018, XXXX XX/XX/2018, XXXX  XX/XX/2018. Westlake Financial are currently reporting FALSE REPRESENTATION OF BALANCES $ XXXX, XXXX, 30 DAY LATE PAYMENTS and REMARKS changing. There should NOT be any activity reporting are charge off status. All ( 3 ) bureaus are reporting ( 3 ) different dates of last payment, XXXX XXXX XXXX, XXXX  XXXX and XXXX  XXXX. All ( 3 ) bureaus have different account numbers XXXX XXXX XXXX, XXXX  XXXX and XXXX  XXXX. 

Westlake Financial report : Inaccurate Information Misrepresent Balance Fail to sent Validate of Debt Activity after Charge Off Harassing calls 30+per day Late Payments ( monthly ) Missed Payments ( monthly )
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I am filing this complaint against Equifax for failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to respond to my requests for validation and reinvestigation of a debt on my credit report. 

Details of Communication and Timeline of Non-Response : 1. Initial Dispute - On XX/XX/year>, I sent Equifax a letter requesting validation of a debt on my report, as is my right under Section 611 ( a ) ( 1 ) ( A ) of the FCRA. Equifax failed to respond within the 30-day investigation period required by law.

2. Second Request for Reinvestigation - XXXX XX/XX/year>, after not receiving any response from Equifax, I sent a second letter asking them to reinvestigate my initial dispute. Again, Equifax did not respond or communicate any action taken. 
XXXX. Further Follow-Ups - On XX/XX/year>, I sent another letter and a final one on XX/XX/year>, reiterating my requests and urging a response. However, I still have not received any acknowledgment or documentation from Equifax regarding my dispute. 

Under the FCRA, consumer reporting agencies like Equifax are legally obligated to : - Investigate disputed information within 30 days ( or 45 days if additional documentation is provided ) as stated under Section 611 ( a ) ( 1 ) ( A ). In my case, Equifax has far exceeded this timeframe, ignoring four separate letters and my legal right to an investigation.

- Notify me of any reinvestigation results under Section 611 ( a ) ( 6 ), which they have also failed to do.

Equifaxs lack of response not only violates the FCRA but also compromises my ability to maintain an accurate and fair credit profile.

For the CFPB 's review, I am enclosing all letters sent to Equifax, as well as my identification, as supporting documentation of my efforts to resolve this matter. These documents demonstrate Equifax 's failure to comply with FCRA guidelines within the legally required timeframe.

Equifaxs lack of responsiveness to my dispute and reinvestigation requests is a clear violation of my rights under the FCRA. I seek a prompt resolution to ensure compliance with federal law and accurate reporting on my credit profile.