davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts 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 to be removed/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.

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!
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer DOB : XXXX, Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : A Auto Loan Account Opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account Number : ( XXXX ), Installment Loan Account Opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account Number : ( XXXX ), a Installment Loan Account Opened at XXXX XXXX XXXX on XX/XX/XXXX under the Account Number : ( XXXX ), a Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX , a Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX.. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -Copy of US Passport XXXX Proof of Identity ) -Copies of a Bank Statement & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report -A Letter formally detailing the information of my dispute
Consumer complaint received 2023-04-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (MN)

On XX/XX/XXXX, I sent an ACH payment of {$830.00}. While the transaction was pending, Chase decided to close my account and canceled the ACH payment of {$830.00}. They said because the account was closed, they would NOT honor the transaction and would send me a check for that amount since it was deducted from my account. 
I have called Chase more than 30 times, and they put me on hold every time and hung up after 30 -40 min on HOLD. They sent the check to my old address, which was sent back to them. They asked me to go to the branch and update my new address so they could send the check again. I did update my address, and they didn't send me the check until now.
Consumer complaint received 2022-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

I received the attached check, # XXXX, dated XX/XX/2022, for vendor name XXXX XXXX, vendor num XXXX, amount of {$26.00}, with check stub date XXXX, for invoice/credit memo XX/XX/2022, description of XXXX # XXXX. I request all documentation to substantiate the issuance of this check, copy attached, for so-called invoice from XX/XX/2022 for vendor name XXXX XXXX , vendor num XXXX XXXX
Consumer complaint received 2022-02-11
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)

I had bankruptcy. We attempted to reaffirm a XXXX XXXX car loan in XXXX they never responded and we included it in the bankruptcy. We got it discharged in XXXX. Vehicle was repossessed voluntarily in XXXX. It showed up as a charged off debt on our credit report. In XXXX, I noticed our XXXX score dropping points every month due to a balance increase with XXXX XXXX creditor. We disputed this stating it was part of a bankruptcy. XXXX then reported the debt as REAFFIRMED and it popped up as a new debt on our credit report which Equifax and XXXX also changed their reporting to Debt Reaffirmed and new debt. This is a 4 year old debt that was never reaffirmed and it's passed our XXXX statute of limitations for debt collection! I tried disputing again but Equifax dispute center won't accept the PDF documents of our petition and discharge. XXXX only took off the remarks but the debt still show as current instead of charged off. XXXX didn't do anything. We are trying to get a house and this is wreaking havoc with over 20 points loss on each credit bureau!
Consumer complaint received 2022-02-11
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY (FL)

WELLS FARGO- owes us {$55.00} x 24 months Plus {$280.00} ( for annual PCI fees ) = {$1600.00} total. My last conversation with them I was told they were investigating it and would get back to me. No response yet from them ... .. Then they said we were being billed {$55.00} because we did not have a PCI compliance with them. We sent them a cancellation letter almost two years ago and we do have a PCI compliance with our new company. They will not give us our money back.
Consumer complaint received 2021-04-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (AZ)

My wife and I started a refinance loan on XXXX with Pentagon Federal Credit Union. It has been a nightmare, from them not understanding basic appraisal sheets to non communicating. They ( PenFed ) hold the original loan on our second home. Due to the fall in interest rates we wanted to refinance to a 20 year loan at the lower rate. We were promised verbally it would be quick and easy. 5 months later we are being ignored, when we call to speak to our representative we are told he is in a meeting and will return our call. Guess what, no calls. I have so far taken two days off from work so we could sign docs. Those days never happened! So Im out two days of vacation leave at work. Plus an {$800.00} reappraisal on our property. Weve talked to other lenders and were told it sounds like they just want us to go away due to they would lose money refinancing at a lower and shorter pay off date.
Consumer complaint received 2024-09-13
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)

I have made repeated efforts to address the issue of unauthorized inquiries on my consumer report, but to no avail. These inquiries are entirely unrelated to me and I am not accountable for them. Their presence has resulted in considerable emotional and financial strain. As an identity theft victim, I may have to resort to legal action if this matter is not properly resolved. These erroneous and fraudulent entries on my consumer report have obstructed my plans to purchase my ideal home and provide for my family 's necessities. The effect on my financial health has been profound. For your reference, I have enclosed a copy of my previous correspondence to the Federal Trade Commission ( FTC ) detailing this issue and seeking a resolution.
Consumer complaint received 2024-09-13
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 WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX {$31000.00} Date Opened XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  {$8700.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$10000.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONRAD CREDIT CORPORATION (FL)

I sent a debt validation letter on XX/XX/2021 to Conrad Credit Corporation located at XXXX XXXX XXXX XXXX # XXXX, XXXX TX XXXX and they received my request on XXXX.This company has failed to validate this debt by not responding at all. Please delete this information from my credit file and cease all collections activities immediately.
Consumer complaint received 2021-07-15
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: Servatus Corporation (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-11-11
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: LJ Ross Associates (GA)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.
Consumer complaint received 2021-11-11
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (TX)

BBVA now PNC was under valuing housing/ properties in my minority neighborhood by ~30 %. That lead to underfunding and unfair lending practices. 

This happened around XX/XX/XXXX 2021. The property valuation by the bank was around {$210000.00} and only weeks later it sold for {$290000.00} and appraisal by the VA. I really this is practice need to be looked at cfpb. All people should get fair lending based on the accurate assessments.
Consumer complaint received 2024-09-11
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. (TN)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-09-13
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. (FL)

I am filing this complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) regarding their failure to comply with 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Number : XXXX Credit Reporting Agency : Equifax, XXXX XXXX ... ... .... 

Nature of the Complaint : ... ... ..XXXX reported incorrect late payments on my credit report without notifying me as required under 623 ( a ) ( 7 ) of the FCRA. This failure has led to significant harm, including health issues, job loss, and a major decrease in my creditworthiness.
Consumer complaint received 2023-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Fraudulent accounts and inquiries appearing on credit report. 

1. XXXX {$1300.00} 2. Pa Child Support Enforcement {$16.00} 3. XXXX {$0.00} Inquiries 1. XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX 4. XXXX 5. XXXX XXXX 6. XXXX 7. XXXX XXXX 8. XXXX XXXXXXXX XXXX 9. XXXX XXXX 10.XXXX 11 . XXXX XXXX XXXX
Consumer complaint received 2021-05-17
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: Kikoff Inc. (NY)

I am a victim of identity theft. On XX/XX/2020 an account by XXXX XXXX XXXX was put on my report that is not mine. I contacted XXXX to take it down immediately because I filed an FTC report. For one month XXXX has knowingly had a fraudulent account on my report. This violates the law and is a inhuman act that can not be tolerated. 
My family I are looking to purchase a house and we may left homeless because of this account. This is immoral in my opinion. This account must be removed immediately. I have contacted the creditor Kikoff lending llc and haven't gotten any response so I am not sure how XXXX got one and if they did how they validated something that isn't mine I am attaching an FTC report. XXXX has violated human rights. Please remove this account you are hurting my family this is again the law according to the FCRA I do not want to take this into legal matters. I do not need another investigation on an account that it is wrong.
Consumer complaint received 2022-06-23
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: Absolute Resolutions Corp. (MI)

After receiving notification that there's been a change to my credit report I have sent multiple letters to Absolute Resolutions. At first, I admittedly was ignorant to the process of how I had 30 days to get them to validate the alleged debt. However, after being denied for car loans, credit cards and other opportunities, I decided to educate myself on my rights as a consumer. I came to find out that I had the right to ask them to validate the debt by sending me all documentary evidence including all reports, accounting ledgers, contracts that would give them rights to holder in due course. This company has never had my expressed or implied consent. This company has never attempted to satisfy my requests although in my letters I explained that it was not a refusal to pay, however its my right to validate. The only thing that I received was terms and agreements that did not bear anything that showed my name, signature or consent. Since XX/XX/XXXX, I have written multiple letters and sent via certified mail explaining my situation and what I would need from the company to resolve this issue. My last dispute had taken place in XXXX. I have all specific dates from copies of my correspondences, certified mail return receipts and the terms and conditions that they sent me that did not accompany any other documents that bear my endorsement. However, I'm typing this from the library and did not bring those documents with me. I could however bring these documents back and scan them if it would help me get relief from this nightmare. I also had filed multiple disputes with XXXX and XXXX through certified mail and these disputes have came back verified. However, when I asked for the method of investigation, who conducted the investigation and the information that was found to substantiate the right to furnish this on my report I have gotten nothing. My report showed that the " dispute is resolved but the consumer disagrees ''. I was under the assumption that consumer reporting agencies had a grave duty to with impartiality to make sure that they report fair and accurate information. This dispute has taken countless hours of my time going to the library to research, type letters, mail said letters, and ultimately wait for no results to date. This reporting has tarnished my image, misrepresented me as a natural good person and caused my financial damage while missing out on opportunities to better my life. 

15 usc 44, irs publication 583, ucc 3-302, 15 usc 1602 ( a ) ( 5 ), 15 usc 1692 a-k, 15 usc 1611, 18 usc 1961 , 15 usc 1681 604 ( a ) ( 2 )
Consumer complaint received 2021-11-11
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: EQUIFAX, INC. (NV)

I am XXXX XXXX and I am submitting this complaint myself to address the inaccuracies on my Credit Reports. While examining my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as fallacious information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX- Inquired on XX/XX/XXXX ; XXXX - Inquired on XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2022-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. These unauthorized inquiries need to be deleted and are listed in the report.I am a victim of identity theft. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Consumer complaint received 2022-12-30
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: Global Lending Services LLC (GA)

15 USC 6802 company never disclosed my right to opt out clearly and i never gave permission to report to credit bureaus. which is a consumer law violation 15 USC 1602 means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 USC 1602 i received absolutely no benefit from them running my credit card which is a consumer law violation. 15 USC 1611 gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder.
Consumer complaint received 2024-09-13
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 WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! THESE ILLEGAL ACCOUNTS ALSO PASS THE STATUE OF REPORTING AND LIMITATION BEING THAT THEY ARE UNAUTHORIZED/ILLEGAL FRAUDULENT ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX {$31000.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX Finance {$8700.00} Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$10000.00} Date Opened XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXXXXXX / {$2100.00} / XX/XX/XXXX This debt is too old to be on my credit report. There are inaccuries in the dates reporting. The date this account was closed was XX/XX/XXXX. But then its also reporting a payment in XXXX which is inaccurate. I did not make any payment to this company after the closing of the account in XXXX. The account should have been off my credit as of XX/XX/XXXX. According to the Fair Credit Reporting Act as well as the statue of limitations