davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of rXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference # 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-05-18
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)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-18
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. (FL)

When it comes to the following Credit Bureaus [ XXXX, Equifax, XXXXXXXX XXXX XXXX XXXX XXXX but not limited to them only ; I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens [ 281 SW 715, 719 ] there is no proof of the alleged debt, nor therefore any such debt [ s ] in fact that exist.
Consumer complaint received 2024-11-01
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. (TX)

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am reaching out to formally address Equifax ongoing failure to correct inaccurate information regarding late payments on my credit report for my XXXX account ( Account Number XXXX ). Despite my repeated attempts to rectify this issue, including documented requests sent on XX/XX/year>, no action has been taken to amend the errors. This negligence directly violates both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) and continues to harm my credit standing. 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my Equifax report and other major credit bureaus : XXXX : Shows a XXXX late payment in XXXX and XXXX, and a XXXX late payment in XXXX, despite consistent on-time payments. 
XXXX : Similarly, reflects a XXXX late payment in XXXX and XXXX, and a XXXX late in XXXX. 
Equifax : Reports XXXX late payments in XXXX and XXXX, and a XXXX late payment in XXXX. 
Nothing has changed despite two previous disputes with Equifax and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my Equifax credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST (CA)

Tried to fund a trading account with XXXX, didn't go through. 
Said BANK OF THE WEST-PERSONAL & SMALL BUSINESS is blocking you from enabling external applications. 

Called customer service, they saw no problems, and that was the end of their help.
Consumer complaint received 2024-10-10
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. (DE)

This morning, I was shocked to find inaccurate accounts on my credit report, and I have no clue why they're there. I check my credit regularly, and everythings been fine until nowthese discrepancies just appeared out of nowhere. I even refreshed my browser thinking it might be a glitch, but the false accounts stayed put. Now, Im deeply concerned and asking that the documents Ive sent be thoroughly reviewed, so I can put this worry behind me once and for all.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (DE)

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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.

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 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 2022-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA (IN)

Sometime back in XXXX, Marcus by Goldman Sachs stopped sending me paper statements. Because of this I missed a payment. Marcus suspended my card. I immediately paid off the card and closed the account because I felt like that was a terrible way to do business. I never received another paper statement and I had a positive balance of {$.00} on the account when it closed. Several months later, I noticed that my credit score had dropped by XXXX points because Marcus reported my account as delinquent. Turns out they had charged me some sort of bogus interest fee after the account was closed. I had no idea it was even there. This has started a cycle of " missed '' payments, late fees, and interest charges. I have been trying to work with Marcus to get this resolved. I was advised by XXXX of the Managers to make a payment for the balance to stop all of the interest. I was told it would be refunded when the dispute was settled. I finally received a check for that payment back, and then this month, they charged me a late fee on the money that they just sent me a check for. I have called and tried to get to someone who can reverse everything and am getting nowhere. I need them to get my credit fixed ASAP.
Consumer complaint received 2020-07-06
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/XXXX our Bank paid off our loan with a check for {$460.00}, the amount that we owed was {$410.00} on XX/XX/XXXX when I called. In XX/XX/XXXX, I called them again because we were waiting for the difference of the refund for {$45.00} and the letter of the cancelation. Then, the manager of the floor told me that we still owed {$23.00} for a check that was without founds in the last months that the system reflect on XX/XX/2020, so that the total amount that we owed now was {$23.00}, so they had not a payoff in the account. 
I told him that even we called on XX/XX/XXXX to know the right amount, and now he said that we owed this {$23.00}, The {$460.00} check will be enough to pay it. Because even with this new amount for {$23.00} added to the {$410.00} the total new amount was for {$430.00}, so will be enought to paid with the {$460.00}, pay off, and still refund a check for {$22.00}. He told me that in the system they haven't this amount for {$460.00} just {$410.00}, I told him that I have the copy of the check fortunately, so he told me that I need to send to them by fax. I told him that if he give an email I will send it, but we don't will go to send it by fax because we have high risk health with the XXXX, and they have to investigate it. He told me that he will, and call him later. Today I call him again, and he didn't investigate anything, the other customer service that answer the call, he said that I need to send it by fax or they don't. First, what happen if I don't have the copy of the check? Second, I pay more that we owed, we did the pay off, and know they said that we owed, they don't want to send us the cancelation letter and investigated what is going on, and put us in risk. I can't believe that they don't have any form to see the copy of the check or ask for it. A manager can't do that? I told them that I will complaint with the CFPB, and the employee of today he told me that they have rules than protect them, but we the consumers also have protection. The protection 's rules of this Company don't incluide to write different amount for the original check, plus no be responsable for it. I want a professional answer, I want the pay off of our loan, the letter of the cancellation, and the different of the refund {$22.00}. The system that they have suppost that have a lot mistakes, because when I call on XX/XX/2020 has to be the information of this additional {$23.00}, because in their system it was reflect on XX/XX/2020, and they never told me nothing about this amount this day. All this inconvinience affects our credit, and plus now they want affect our health, just because their system doesn't works properly we have to expouse to the COVID19? XXXX
Consumer complaint received 2020-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I am at wits end. I am trying to start internet service with XXXX XXXX XXXX because I am moving XX/XX/20 and my new apartments use only XXXX XXXX XXXX as their provider. XXXX XXXX XXXX for some reason can not pull my credit. They keep saying there is a fraud alert ( Equifax ). I had the fraud alert removed XX/XX/20. I have tried starting service online probably about 30+ times, I have tried starting service via a sales rep on the phone, etc. I have spoken with Equifax at least 3 times and they have confirmed the fraud alert has been removed. I log into my equifax account only and can see it has been removed. I do not know what to do. I have no other provider I can use, I work from home so I must have internet service. I need some serious help here. I have filed a complaint against XXXX XXXX XXXX as well. I did go online to various websites and saw similar complaints regarding Equifax. There is a glitch and it needs to be fixed ASAP. HELP!
Consumer complaint received 2021-08-07
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. (TX)

I pulled my credit report a few weeks ago and I noticed I have accounts on my credit report that don't belong to me or I never authorized. I notified my family lawyer and he instructed me to file a complaint with the CFPB 1st. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. XXXX/XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX. Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Also on my personal information my Address is : XXXX XXXX XXXX XXXX, Texas XXXX and my Employment is XXXX XXXX XXXX XXXX XXXX. Please correct my information, none of the other personal information applies to me.
Consumer complaint received 2021-08-07
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Transunion had my profile in a special department that they will not explain. I have no idea what this department is nor am I able to get in contact with any representative via phone. I have left voicemails and never received a call back. I am unable to dispute via phone because of this issue. No representative can explain this special dept Im in. 

I have sent letters to dispute the incorrect information showing on my credit report. Transunion continue to respond with a copy of my credit report. 

I can not dispute via phone. 
I can not dispute via Mail. 

The company claims in response to my complaint that on XX/XX/21 I called and had an inquiry removed via phone. I have never received any correspondence in regards to this not have any representative given me the opportunity to dispute anything on my credit report. 

FCRA states I have this right.
Consumer complaint received 2021-06-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (CA)

My existing loan got sold to The Money Source. My monthly payment was {$1500.00} The statement said {$1600.00}. I called in and spent a lot of time on the phone fixing their error, on a loan company that I was forced to use since they purchased my loan. The customer service gal said that she sees the error, and put in a request to fix it, and it will be corrected by XX/XX/31. She also said not to pay my monthly mortgage, that was due XXXX. They were supposed to get back to me XX/XX/31, I emailed them XXXX, they emailed me back and said to call in. I do not have time to keep calling and obviously my call in the past did nothing. I am pre approved with another residential lender for a new primary residence, and also commercial loan for apartment building purchase. If The Money Source is responsible for a negative report to the credit bureau, after they are in error and on a recorded line told me not to pay until this gets resolved, we are going to have an issue. I want this corrected immediately.
Consumer complaint received 2021-08-05
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: FORD MOTOR CREDIT CO. (NC)

The company is FORD MOTOR CREDIT : I have sent in a police report and other case identifying information. That this account was obtained without my knowledge or consent. My credit/debit card, social security card, pieces of mail and etc. Had been stolen. XXXX  refuses to remove this items for fraud. Both of the other credit reporting agency have removed all fraudulent items. XXXX  keeps updating the fraudulent item with FORD MOTOR CREDIT and putting it back on my report. This items is fraud and should be removed from my report.
Consumer complaint received 2021-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In 2018 I began complaining to Capital One Auto Finance that my account terms and balance was incorrect. I spoke with representative after representative. I would explain to them what was posted on the website was incorrect. What they told me was in their system and what was posted on their website did not match. I would put request after request for a supervisor to call me and no one would ever contact me. Well, when the contract end was near, I once again disputed the balance on the account. After several months of dispute, we finally came to an agreement as to what was owed to pay-off the account and that amount was paid. The issue is that during the final six-month dispute they reported me delinquent. I did not think it was proper for me to pay the incorrect amount and then fight to get a refund. It was the end of the contract and I do not believe it to be fair for you to report me as delinquent when there was a formal and legitimate dispute of the final payment total. Yes, the final payment was corrected and paid ; however, this inaccurate reporting to the credit bureau continues to cause me financial hardship in my attempt to purchase a home. I want the delinquent reporting corrected or remove from my credit file.
Consumer complaint received 2024-11-01
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. (TX)

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for my MACYS/CBNA account, Account Number XXXX. Despite multiple requests for correction ( letters dated ( XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected. 
TILA Violations : The Truth in Lending Act ( XXXX ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my Equifax report and other major credit bureaus : XXXX : XXXX a XXXX late payment in XXXX and a XXXX late payment in XXXX, despite consistent on-time payments prior. 
XXXX : Also shows a XXXX late payment in XXXX and a XXXX late in XXXX. 
Equifax : Reflects a XXXX late entry in XXXX and a XXXX late in XXXX. 
Nothing has changed despite XXXX previous disputes with Equifax and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my Equifax credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly XXXX result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX