davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made on time : The payment was made before the due date, but it seems there was a processing delay on the creditor 's end. I have attached bank statements showing that the funds were deducted from my account well before the due date. 
Clerical error by creditor : XXXX XXXX  XXXX has admitted that the late payment was due to an internal error in their billing system, and I have attached a letter from the creditor confirming this issue. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2023-05-25
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: Experian Information Solutions Inc. (IA)

I AM A FEDERALLY PROTECTED CONSUMER WITH FEDERAL PROTECTION RIGHTS. THIS IS THE 4TH TIME MAKING A COMPLAINT AGAINST EXPERIAN. EXPERIAN REPORTING IS IN VIOLATIONS OF THE FCRA. THE FEDERAL CONSUMER REPORTING ACT ( FCRA ) HAS CONSUMER PROTECTION LAWS THAT WERE CREATED TO PROTECT ME. BY ALLOWING THESE ITEMS TO BE REPORTING ON MY CONSUMER REPORT EXPERIAN IS DAMAGING AND RUINING MY ATTEMPTS TO OBTAIN A HOME LOAN. THE FCRA GUARANTEES THAT I AM TO HAVE A SUITABLE, ACCURATE, TO ME CONSUMER REPORT. IM LISTING THE FCRA LAWS EXPERIAN IS BEING ALLOWED TO BREAK AGAINST ME. 15 USC 1681s2 ( B ), 15 USC 1666B, FTC GRAMM LEECH BLILEY ACT and 15 USC 1681B ( 2 ). EXPERIAN NEEDS TO COMPLY BY DELETING THESE ITEMS BEING REPORTED ON MY CONSUMER REPORT. REMOVE THE OLD ADDRESS XXXX XXXX XXXX XXXX XXXX AZ XXXX. XXXX XXXX XXXX XXXX XXXX ACCT # XXXX IS REPORTING ( TWICE ) ON MY CONSUMER REPORT WHICH IS OBVIOUSLY INCORRECT DELETE THESE DUPLICATE ACCOUNTS. BASED ON IRS REGULATIONS 26 CFR 1.6050P-I ON CHARGE OFFS THESE ACCOUNTS LIST ARE CHARGED OFF ACCOUNTS AND CONSIDERED GROSS INCOME AND SINCE INCOME SHOULD NOT BE REPORTED ON A CONSUMER REPORT DELETE THESE ACCOUNTS THEY ARE INCORRECTLY BEING FACTORED IN MY REVOLING CREDIT USAGE HURTING MY XXXX SCORE WHICH IS FALSE MISLEADING AND DAMAGING. DELETE XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT XXXX XXXX, XXXX ACCT # XXXX XXXX DELETE THESE CHARGED OFF ACCOUNTS BASED ON THESE FURNISHERS RECIEVED TAX WRITE OFFS 1099 IRS FORMS FOR TAXABLE GROSS INCOME ON THERE ACCOUNTING BOOKS THEREFORE ITS CLEARED BALANCE XXXX AND THESE FURNISHERS RECIEVED DEFAULT INSURANCE PAYMENTS AND TO KEEP INCORRECTLY REPORTING YTHIS SHOWS THERE ATTEMPTING TO " GET DOUBLE ENRICHMENT PAYMENTS " WHICH IS UNLAWFUL. I have ASKED FOR RE-INVESTIGATIONS OF ALL these issues ( 3 ) times prior and have THESE CFPB DISPUTES ON RECORD AS " verified " but AFTER SHOWING THE FCRA LAWS BEING VIOLATEDAND NOT COMPLIED ACCRDING TO THE FCRA HOW CAN EXPERIAN KEEP BEING ALLOWED TO REPORT THIS? FCRA CONSUMER LAWS I LISTED ARE ALL GROUNDS FOR DELETIONS FROM MY CONSUMER REPORT. BECAUSE EXPERIAN WILL NOT COMPLY TO THESE FCRA CONSUMER REPORTING LAWS. I NEED THE CFPB TO STEP IN POLICE, AND ENFORCE, SUPERVISE AND HOLD EXPERIAN ACCOUNTABLE TO THE FCRA CONSUMER LAWS ESTABLISHED BY US CONGRESS. AGAIN THESE ARE THE FCRA VIOLATIONS EXPERIAN IS GUILTY OF BREAKING WITH THERE REPORTING. 15 USC 1681i, 15 USC 1681s2 ( B ) ,15 USC 1681C -2,15 USC 1666B. DELETE THE ITEMS I LISTED ABOVE AND THEN EXPERIAN WILL BE COMPLYING WITH THE FCRA WITH MY CONSUMER REPORT.
Consumer complaint received 2022-11-15
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PRESTIGE FINANCIAL SERVICES INC (WA)

Prestige Financial : I have been dealing with Prestige for some time now. I stopped responding to them when they started calling, texting, and harassing me while I was at work. They also send emails to me with the wrong vehicle and amount listed. I was working with a lawyer with them to try to settle the debt but when I last reached out to the lawyer he has retired and a new lawyer was assigned to my case from another firm. I was never notified of this change until I recently received a garnishment notice the total balance was $ XXXX after the car was sold. After the fee, it went back up to XXXX. After receiving the wrong payoff amounts and the wrong information in the emails it became confusing on what to pay and who to believe each employee has a different amount.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-09-20
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. (MI)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-19
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: EQUIFAX, INC. (CA)

These debt collectors violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. Unjust business practices, third-party communication, and other violations caused by these debt collectors use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX  have been filed, dispute letters have been mailed to this debt collector ; supporting documentation will be furnished.
Consumer complaint received 2022-11-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC (MD)

The Mortgage Fay Servicing recently purchased ( XX/XX/XXXX ) my mortgage from another company, XXXX XXXX XXXX and they added mortgage insurance and homeowners insurance escrows to my payments raising my payments {$260.00} each month or {$3100.00} a year. I have advised the company on numerous occasions ( Calls made XXXX XXXX XXXX XXXX XXXX ) and have faxed documentation multiple times ( XXXX XXXX XXXX XXXX ) to demonstrate that I have my own homeowners insurance, to include personal insurance and insurance through my condo 's master 's insurance policy but the mortgage company continues to require me to pay their insurance which is $ XXXX and far more expensive than what I am currently paying for the other two insurance and unnecessary as I already have two sets of insurance. 

In addition, I have had this mortgage since XXXX which was modified in XXXX and I have never had to pay mortgage insurance on the property since owning the home until they assumed the loan. I have requested them to remove both the MI and the other insurance and the will not remove it despite being told on multiple occasions that they would.
Consumer complaint received 2022-11-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (TX)

American Express platinum card has a monthly credit for a XXXX XXXX  membership. XXXX has been billing differently lately - the charges come through as annual rather than monthly. This has gone on since XXXX and Amex hasnt fixed the issue or given the credits as they should. I wrote in last week and got nowhere. This is a global issue and credit forums are full of complaints of this issue. Amex has not resolved yet. See attached screenshots for the runaround amex has given people rather than resolve
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IA)

XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Consumer complaint received 2022-07-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I've been waiting on a claim I submitted since last XXXX. I've been given no information, no provisional credits, and I've had to verify my identity at the actual bank 4 times??? I just found out the claim that was submitted in XXXX was duplicated by the customer service agent of the claims department. So while I'm waiting for that claim to be withdrawn, the agent filed 3 more on my behalf due to the misinformation relating to the other claim. My complaint is on my new claims .I haven't received any provisional credits, and I haven't heard anything. It's been over a year since this whole situation started. I understand there was an order and a fine that was brought on by " the office of the comptroller of currency " and " CFPB '' XX/XX/2022? WHO is enforcing this order since the bank is clearly not complying. Thank you for your help in this matter
Consumer complaint received 2023-09-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kingston Data & Credit International Inc. (AZ)

I contacted a company called Kingston data and credit due to a collection from a gym on my credit report. After trying to play games with me about the verification I did receive an email from them admitting that they could not get a hold of the original creditor although they had tried and would be removing it from my credit report. I do have the email from them. I just looked at my credit report and found that they put it as a charge off. I have the documentation as well as all the communications between myself and the debt collection agency including the letter stating that it would be removed. As well as a copy of my credit report showing it as they charged it off instead.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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 XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
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 did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Consumer complaint received 2022-07-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION (TX)

I outright own a vehicle, I am trying to trade in at XXXX. The title indicated no Liens. 

The XXXX system shows a lien with Regional Acceptance in their system from a previous owner. XXXX is making me get a lien release. 

Ive made XXXX calls to XXXX, and they will not help me. I do not have an account with them, I have a title to my vehicle and I need them to send a release so I can trade the car in. 

Vin XXXX
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (AR)

PLEASE REMOVE THESE UNAUTHORIZED INQUIRIES FROM MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2022-07-27
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: Experian Information Solutions Inc. (MA)

Im not able to receive my credit report, every time I tried it was denied because I dont have a social security number I just have an ITIN number. What I need to do to get my credit report if they arent accepting my ITIN number instead the social.
Consumer complaint received 2022-07-27
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. (CA)

I am submitting this complaint on my own behalf with no third party involved. I am requesting that the charges to my account be removed and that any finance and other charges related to the fraudulent amount be credited, with an accurate statement. I am demanding that these fraudulent claims of an alleged debt and negative marks of late payments on my credit be removed from my credit report entirely. This is Identity Theft and is completely against my rights as a federally protected consumer under Title 15 Chapter 41.
Consumer complaint received 2024-09-20
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)

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ). 

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Consumer complaint received 2022-07-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (VA)

ENHANCED RECOVERY CO LLC refused to address my concern after I disputed the debt. The company violated my rights under FDCP by not clearly stating that the debt is disputed. 
I filed a dispute with XXXX that the company need to validate the debt and instead ENHANCED RECOVERY CO LLC told XXXX that the debt was verified. That is not what I disputed and how do you verified when it took less then 24 hours. There was no investigation and Both XXXX and ERC violated my right under Fair Debt collection act.
Consumer complaint received 2024-09-19
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 urge you to swiftly remove these fraudulent accounts from my credit report. I did not initiate or authorize them, and it is unfair for me to be held accountable. Please take prompt action to rectify this mistake.
Consumer complaint received 2022-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP (NJ)

I received a letter from XXXX XXXX XXXX and their Attorney 's stating that I owed XXXX XXXX XXXX  {$2300.00}. I do not owe this money, I did not authorize or apply for this account they are trying to collect this debt for. This is a fraudulent account and I have asked for proof that this was my account and they could not provide proof. Please remove the XXXX XXXX XXXX  Inquiries from XX/XX/2020. 
Please also remove all incorrect address as follows from XXXX, XXXX, XXXX and all other credit reporting companies : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NJ XXXX. 
Thank You, XXXX XXXX XXXX