davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (NE)

I am writing to file a formal complaint against XXXX XXXX for unauthorized and inaccurate reporting on my credit report. Specifically, a charge-off amount of {$4900.00} was reported by XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, which is not only erroneous but also violates several federal laws designed to protect consumer rights. Violations of the Fair Credit Reporting Act and Related Regulations 1. Violation of 15 U.S. Code 1681c-2 : As a victim of identity theft, I have informed the credit bureaus of this issue and requested the removal of the fraudulent information. According to this statute, a consumer reporting agency is required to block the reporting of any information resulting from identity theft no later than 4 business days after receiving such notification. It has now been 30 days since my notification, and this information remains on my report. This delay is a direct violation of my rights under this provision. I demand that these items be deleted from my credit report IMMEDIATELY. 2. Violation of 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ) : This statute specifies that no income, transactions, or experiences should be reported on consumer credit reports. The entry by XXXX XXXX includes information related to income and transactions that are unauthorized and not permissible under the FCRA. 3. Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Under this section, a consumer report may only be furnished under certain specific circumstances, such as in accordance with the written instructions of the consumer. I have never provided written consent to any consumer reporting agency to report the information in question. Reporting without my consent constitutes identity theft and a violation of my rights as a federally protected consumer. 4. Violation of 15 U.S. Code 1602 ( p ) : This provision defines the terms related to credit and associated transactions. The reporting of a charge-off amount does not meet the criteria for reportable information under this statute, and therefore, it should not be included in my consumer credit report.
Consumer complaint received 2024-08-26
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. (LA)

I have disputed with this Creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ,and XXXX, I requested bank transactions and proof that I was late with this creditor. The creditor never sent proof that I was late. The creditor has taken over 30 days to update my account and perform an investigation. The creditor has illegally re-aged my date late.active from XX/XX/XXXX to XX/XX/XXXX. XXXX is missing date, last active and is unverifiable. XXXX failed to update my account and do a proper investigation. The creditor last reported on my account XX/XX/XXXX even though I sent my dispute XX/XX/XXXX Today 's date XX/XX/XXXX I have not received an update of a Re-Investigation from the creditor.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am getting deprived off of my opportunities all because my credit scores do not meet their standards. I blame this on the inaccuracies that are being reported on my credit. I sent complaints beforehand and was continuously ignored. I need immediate action.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

I am writing to file a formal complaint regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by credit reporting agencies, particularly Equifax, due to the inclusion of fraudulent information on my credit report. As a victim of identity theft, I have discovered several inaccuracies on my report, including incorrect names, addresses, employers, and unauthorized accounts. I believe these issues stem from the 2017 Equifax data breach, which exposed the sensitive personal information of millions of individuals, including myself. 

Despite my efforts to dispute these inaccuracies directly with the credit bureaus, they have failed to adequately investigate and remove the fraudulent information. The inaccurate entries are severely affecting my financial standing, and I am requesting your assistance in ensuring that these credit reporting agencies comply with FCRA regulations.The Fair Credit Reporting Act ( FCRA ) establishes specific rights for consumers and obligations for credit reporting agencies. The following sections apply to my dispute : FCRA Section 609 ( a ) ( 1 ) I have the right to request complete and accurate disclosure of all information contained in my credit file, including the sources of fraudulent data. 

FCRA Section 609 ( a ) ( 2 ) Credit reporting agencies are required to maintain accurate personal information. The incorrect names and addresses on my credit report violate this section. 

FCRA Section 605 ( a ) Credit reporting agencies are prohibited from reporting inaccurate information, including incorrect addresses and employment history. 

FCRA Section 605B Upon receiving an identity theft report, the credit reporting agencies are required to block and remove any fraudulent information within four business days. 

FCRA Section 611 ( a ) Credit reporting agencies must investigate disputed items and correct or delete inaccuracies within 30 days of the dispute. They have failed to meet this requirement.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account with Equifax 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.

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

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


Equifax 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 2017-12-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

Bank of America is the biggest hypocrite in the banking industry. I had a {$500.00} card with bank of America for 6 years, I was never late nor was ever over the limit. in XX/XX/XXXX, Bank of America gave me an additional card with a limit of {$2000.00}. in XX/XX/XXXX, my nephew died and his family could not pay for the funeral, so in XX/XX/XXXX I took an advance ( s ) from the newer card to help my family defray the cost. immediately in XX/XX/XXXX, Bank of America closed both of my accounts without any notice or alternative. My payment history on all of my accounts, including these closed BOA accounts, for the last 5 years are 100 % on time. on XX/XX/XXXX I called the bank to see if my balance transfer from another institution paying of the remain balance, had posted. the representative told me that she would look into seeing if the credit card could be reopened. After review, she stated that she could not reopen the card on her end and THERE WOULD NOT BE AN INQUIRY ON MY CREDIT. after I hung up the phone with bank of America, I Immediately received an alert from XXXX, XXXX and XXXX  that Bank of America conducted a hard inquiry on my credit, although the representative XXXX, said there would not be an inquiry. Immediately Bank of America does not care about the individuals it serves, it only cares about its bottom line and ROA. They do n't deserve to have the name America in it 's title. I had the card for more than five years and was one of the older trade lines on my credit and when they closed it without notice or alternative it cause me a great financial harm. I feel they suckered me in to taking the additional card
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

Consumer Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Equifax 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 a mortgage loan from XXXX with {$0.00} balance, collection/charge off from XXXX XXXX XXXX XXXX with a balance of {$140.00}, and credit cards from XXXX XXXX XXXX with a balance of {$10000.00}, XXXX XXXX XXXXXXXX with a balance of {$1600.00}, and Citicards with a balance of {$8600.00}, Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX dated XX/XX/XXXX, XXXX Delaware XXXX XX/XX/XXXX. 

These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. 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 2017-12-04
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: CITIBANK, N.A. (TX)

I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

XXXX FTC Identity theft report, XXXX XXXX XXXX was placed on notice that this was a fraudulent debt that they are reporting as being owed to them. How can I owe them a debt when I have never contracted to do business with them nor signed any agreement waiving any rights? They have not produced any documentation bearing my signature that I have agreed to open an account with them or conduct any business whatsoever. They certified to EXPERIAN that this debt was valid and Im confused as to how anything was certified without XXXX ) a notarized affidavit and XXXX ) proof that an agreement with XXXX XXXX XXXX bears my signature. If it was certified why hasnt this proof been uploaded as a response to this complaint? THIS IS FRAUD and I demand deletion immediately. XXXX XXXX XXXX is purposely delaying correcting this information as required by law as though they are above the system in place to protect consumers. They even lied and stated that they had placed dispute language on the report which they have not as evidenced in the screenshots provided. They are merely attempting to prolong their duties under the law by delaying the deletion.
Consumer complaint received 2024-08-22
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: WELLS FARGO & COMPANY (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX - BALANCE {$1400.00} XXXX  XXXX Bankruptcy # XXXX Unauthorized inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-12-05
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: DataMax Corporation (SC)

I 've sent over documentation to company showing proof that this debt is n't mine and still nothing has been done on my behalf. This item is causing great stress to my life and I 've reached out to an attorney XXXX XXXX to help me out with this matter, I was advised to try to work this item out with the collection agency one more time, if they refuse to remove this inaccurate item then we will pursue with filing a lawsuit.
Consumer complaint received 2023-08-30
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmNet ESOP Corporation (MD)

We closed on our loan on XXXX XX/XX/2023. 

On XXXX XX/XX/2023 the company reached out stating they made an error calculating my VA entitlement and that we owed an additional {$15000.00} to reduce the principal. They claimed this was a VA requirement and that the VA would not " insure '' ( they mean guarantee ) our loan due to not having 25 % of the value covered by the VA, equity, and/or a down payment. 

After researching and speaking directly with the VA we found out this was completely false. The VA already guaranteed our loan and the company continued to insist that I was mistaken. In fact, the VA does not require any down payment even when a veteran/servicemember does not have enough entitlement. 

Finally, on XXXX XX/XX/2023, the VA responded directly to the lender ( the CEO ) and informed them that they were wrong. 

The lender then claimed that it was a XXXX XXXX requirement and again tried to convince us to pay for their mistake. The company was unable to pool and sell our loan because they did not have the 25 % of the value covered. 

On XXXX XXXX the lender offered to forgive part of our debt to meet the requirements, which would force us to incur an unnecessary tax burden. We accepted the offer on XXXX XX/XX/2023. 

On XXXX XX/XX/2023 we receive an email stating that I have a new loan servicer. We reached out to the lender and they stated that it was true and the loan was sold on XXXX XX/XX/2023, the day before we agreed to the debt reduction. They also stated that they reduced our debt on XXXX XXXX, XXXX days after the loan was sold. This indicates that they likely violated XXXX XXXX requirements and somehow made changes to a loan they no longer owned. 

Overall, this lender was extremely difficult to work with and caused significant stress and work that should have never occurred. What should have been a happy time in a new home was spent fighting to keep our hard earned money and we are afraid that others might have been taken for $ XXXX that they did not budget or plan for and end up in difficult financial positions. 

We also requested our interest rate capped at 6 % in accordance with the XXXX XXXX XXXX XXXX ( XXXX ). However, we were denied even though my military orders began after closing on the home.
Consumer complaint received 2023-08-29
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. (NH)

I have called the bureau to complain about inquiries that are on my report. I have never opened an account with them nor tried to make transactions with them. I have file a complaint to FTC with report number XXXX. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: LEXISNEXIS (CA)

XX/XX/23 Sent LexisNexis a letter asking how they verified a bankruptcy on my consumer report. 

XX/XX/23 LexisNexis received the letter XX/XX/23 Received letter from LexisNexis stating that they researched with XXXX  but did not verify with XXXX XX/XX/23 Contacted XXXX  to inquire if they verify the information for LexisNexis XX/XX/23 Received email stating that XXXX  provides access but does not verify for LexisNexis XX/XX/23 Sent a 2nd letter to LexisNexis requesting removal of the bankruptcy on my consumer report as they did not receive verification from XXXX  and therefore the information was not legally validated and requested an updated consumer report XX/XX/23 LexisNexis received the 2nd letter Never heard anything back from LexisNexis XX/XX/23 Sent LexisNexis a XXXX letter requesting removal of the bankruptcy on my consumer report as they did not receive verification from XXXX  and therefore the information was not legally validated and requested an updated consumer report XX/XX/23 LexisNexis received the 3rd letter
Consumer complaint received 2024-08-12
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: Experian Information Solutions Inc. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXXXXXX XXXX :
Consumer complaint received 2017-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MONEY SOURCE, INC., THE (IA)

On XX/XX/XXXX, the Money Source incorrectly reported a mortgage account to XXXX. This mortgage was discharged in my bankruptcy, which was filed XX/XX/XXXX. Because the Money Source incorrectly reported the status of the account as Pays as Agreed with a balance of {$240000.00}, my credit score dropped over 40 points overnight. Since I no longer have responsibility for this loan, it should have never reappeared on my credit report. The last time it was reported before XX/XX/XXXX was XX/XX/XXXX, prior to my bankruptcy filing. 

I contacted both XXXX ( filed a dispute online ) and the Money Source ( called them ). I was transferred several times during my call to The Money Source, and finally ended up speaking with a representative ( XXXX XXXX ) in the bankruptcy department. She asked me to email her a copy of the credit report showing the incorrect information. She was not able to tell me what happened, other than she would forward it to the " research department. '' I never got a follow-up confirmation email that the information had been corrected ; however, I got a notification from XXXX that the dispute was resolved.
Consumer complaint received 2017-12-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GRANITE STATE MANAGEMENT & RESOURCES (GA)

For the last 15 months, I have been making payments on my consolidated student loans through Granite State Management. Due to other financial responsibilities, I have had decreased the amount I have been paying ( mine are currently deferred because I am enrolled XXXX XXXX at XXXX XXXX University for XXXX XXXX ). At the start of these 15 months, my payments were exactly what was needed to keep up with interest ( {$170.00} / month ). I have been using the " pay by group '' option to make the interest payments per group. However, GSMR has NOT been applying the correct amounts to the correct loans, despite the " pay by group '' option they allow on their payment website. Some months a loan group will have {$0.00} accrued interest while another will have {$210.00}, despite my paying the full interest amount on the latter the previous month and none on the first! I have called them twice about this, and they simply say to " wait 30-60 for proper processing. '' They have never once processed it per group as I have stipulated, the result of which is that it is impossible for me to keep up with the interest on specific loans at my current payment rate, while other loans get principle payments that I have NOT stipulated! This is beyond irritating and frustrating - it is costing me money! This is NOT acceptable.