davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

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 2024-01-09
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. (LA)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2021-09-13
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NC)

Subject : Immediate Action Required : Unauthorized Inquiries Impacting My Credit Report Dear Equifax, I trust this letter finds you well, although the urgency of its contents demands your immediate attention. Pursuant to the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq., specifically 1681b, and North Carolina General Statutes 75-64, subsection ( a ) ( 4 ), I am compelled to address a matter of utmost importance concerning my credit profile. 

Upon meticulous review of my consumer report, I have identified unauthorized inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and EQUIFAX MORTGAGE SER, severely impacting my creditworthiness. This not only infringes upon the FCRA but also constitutes identity fraud, as explicitly defined by the Identity Theft and Assumption Deterrence Act - 18 U.S.C. 1028 ( a ) ( 7 ). 

I assert, with unwavering confidence, that even within the scope of a permissible purpose, the consent of the consumer is indispensable, as stipulated by the Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6801 et seq., particularly 6802 ( e ) ( 1 ). In these instances, no such consent has been granted. 

The adverse impact on my creditworthiness, a direct violation of the Electronic Communications Privacy Act ( ECPA ) - 18 U.S.C. 2510-2522, especially 2511 ( 1 ) ( c ), is intolerable. In alignment with North Carolina General Statutes 75-64, subsection ( b ) ( 2 ), I insist that immediate action be taken to rectify this situation. 

I maintain that these items are unverifiable, invoking the Privacy Act of 1974 - 5 U.S.C. 552a, particularly 552a ( d ) ( 1 ). I, therefore, demand that, in accordance with the Computer Fraud and Abuse Act ( CFAA ) - 18 U.S.C. 1030 ( a ) ( 2 ) ( C ), Equifax expeditiously deletes these unauthorized and unverifiable items from my consumer report within the next 30 days. 

Failure to do so will be construed as willful noncompliance on the part of Equifax, an offense for which you can be held civilly liable, as explicitly stated in 1030 ( g ) of the CFAA. 

Your prompt and unequivocal attention to this matter are non-negotiable. I expect a swift resolution, and I anticipate written confirmation once the unauthorized inquiries have been expunged from my consumer report. 

Done in good faith.
Consumer complaint received 2024-01-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

Dear CFPB, I hope this letter finds you well. I am writing to address a matter of significant concern regarding my experience as a consumer with XXXX XXXX. 

It has come to my attention that XXXX XXXX is currently facing legal action initiated by the New York State Attorney General for allegations of predatory lending practices. Regrettably, I find myself among the victims of such practices, which transpired between the dates of XX/XX/XXXX and XX/XX/XXXX. 

In XX/XX/XXXX, just XXXX weeks after purchasing the vehicle, I discovered that the dealership had been closed down. Attempting to rectify the situation, I approached XXXX XXXX, requesting a refund and the return of the car. Unfortunately, my plea was met with refusal, and instead, I found myself burdened with high payments that were beyond my financial means. 

The situation worsened when the economic challenges brought about by the Covid-19 pandemic left me unemployed from XXXX to XXXX. Consequently, I faced difficulties in meeting the financial obligations, leading to the repossession of my car by XXXX XXXX. 

In my pursuit to rebuild my financial standing, I have encountered persistent challenges in removing XXXX XXXX from my credit report. Despite a brief period where they were removed, they reappeared XXXX months later, negatively impacting my credit score. This has impeded my efforts to secure housing and hindered my ability to make significant financial decisions. 

I am currently employed and committed to improving my credit score to achieve financial stability. I kindly request your assistance in rectifying this matter promptly and ensuring the accurate representation of my credit history. 

I believe that resolving this issue will contribute positively to my efforts to rebuild my credit and enable me to make responsible financial choices in the future. I appreciate your prompt attention to this matter and look forward to a swift resolution. 

Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2021-07-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (OH)

For the reason that has not been revealed to me, US Bank has frozen my account and is closing it. I have attempted to close my account at the local branch where it was opened. They will not close the account. After numerous calls to US Bank, I was informed that it would take them 45 days to close the account and release my funds. This is ridiculous, and the resources the bank has frozen are resources that I use for my everyday living expenses.
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (OH)

Enhanced Recovery Company has place negative information on my credit reports claiming that I owe them {$780.00}. I have sent them a Validation letter request ( see attached ) via Certified USPS mail and have requested they send me the information I have requested. 

This company has hundreds of complaints online about its misuse and collection tactics. Under the fair debt collection act, this item has to be removed pending investigation, and if Enhanced Recovery does not comply with my validation letter this item must remain removed from my account.
Consumer complaint received 2020-08-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (FL)

I am XXXX years old I have lived in Florida Since my husband I came to the United States he was XXXX  XXXX XXXX stationed at XXXX XXXX XXXX XXXX in XXXX  I have lived here and worked here, I applied for XXXX  about 6-7 years ago and went through this company in XXXX Florida the man was a con, he stole my money and information he was arrested with the authorities in XXXX XXXX XXXX Florida. I had a police report, I since then threw it away. But I explained to these companies this is fraud, I sent them a notarized affidavit stating this, I stated to them I have no knowledge of these bills and never lived in the state of Georgia. I asked for original contract, proof such as ID, recordings etc, all they sent was a copy of the bill.
Consumer complaint received 2024-11-01
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 recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Consumer complaint received 2020-09-23
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Hi My name is XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ) XXXX It all started in XXXX when my husband and I decided to invest in buying houses for a better future ( There is a lot of history behind this loan with XXXX  XXXX XXXX, XXXX and others ) I been on critical financial hardship that's we started a Bankruptcy XXXX But still not closed I'm still have the risk to go to a foreclosure our home was on auction last XXXX We try hard to do a modification last year and part of this year but they never send us packaged they all the time offer us but they never send it to us No explanation on why they can't offer a modification. A person explain to us that This LOAN is not a correct loan something is wrong with this loan. because this load was XXXX  XXXX XXXX, XXXX ( same as XXXX  XXXX XXXX ) after that change to couple Nationstar XXXX XXXX XXXX  / Servicer Mr. Cooper not sure who can help us Now our Lawyer is helping with the Bankruptcy XXXX but she don't know about real state. But my direct question is Why they don't want to help us with a modification? and why we still have the same Loan since XXXX XXXX When XXXX was sued they have to return part of the balance to the principal loan to a lot of people But except us Why? 
At the least we would like to ask what to do. To ask the Bank to help us to modified our loan or return the money we pull from our primary home to our primary principal loan Our address is XXXX XXXX XXXX XXXX XXXX CA XXXX If we can't do anything about our Principal Balance at the least we would like to try to modified. 
If I remember correct and I'm still have a letter from XXXX XXXX because I send a letter to her between XXXX and XXXX asking to review our fraudulent loans and she response to us to look for legal assistance but we never find the correct person. 
On this loan is a lot of suspicious activities like electronic escrow transactions and more Also a loan in this loans for XXXX dlls that the only Bank appears is XXXX XXXX same as XXXX The trustee for Bankruptcy try to bring them to court but they never arrived. But the lien still in our home I hope you can help us or to guide us what to do. 
If nothing what we can do because this happened long time ago AT the least we would like to know why thet denied the modification to us. 

Thank you XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2024-11-01
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)

I am a victim of multiple data breaches and would need all of the accounts on my credit report that have been exposed and compromised to be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) immediately.

Also, I never lived at the address associated with this account.

I am also disputing all the information inside public records, etc that you used to previously verify these accounts because they are also a result of identity theft. All of that information was used and created by someone else.

As a Credit Reporting Agency, You should be well aware of the fact that information in those reports would definitely be wrong when Identity Theft has occurred. Clearly, my identity has been stolen all across the board. My information has been completely compromised therefore, Verification from PUBLIC & PRIVATE SOURCES including any information regarding me, is not credible and it definitely would not hold any credibility in LITIGATION.

I am overly aware of my consumer rights so please correct this problem in order to prevent Litigation. I will also be mailing a Certified Copy of This Dispute to Your Address so I can have proof in case litigation must take place. 

I have submitted fraud reports and disputes for this account. I am demanding this account to be removed in 4 days, disputed, and thoroughly investigated because I did not open these accounts. By law, this account must be removed especially because I am a Victim of A DATA BREACH! This account needs to be removed immediately, within 4 business days. We go by the law. I as a consumer have my legal rights. 

If not, My attorney & I will take the necessary steps to ensure I receive all compensation for this horrific injustice regarding my credit report through a lawsuit. Please remove this illegal account, Thank you for your time and help in this matter
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. (GA)

I am not liable for this debt with XXXX XXXX. ( account # Account number XXXX as I have previously filed a complaint with Federal Trade Commission and Consumer Financial Protection Bureau due to Identity Theft because of Data breach. XXXX XXXX  has reported collection on my credit report # Account number XXXX OPENED ON XX/XX/year> XXXX XXXX XXXX Account ending XXXX I DO NOT HAVE ANY CONTRACT WITH XXXX XXXX XXXX NITHER DID THEY PROVIDE ME WITH any Original contract with my signature on it with their COMPANY. PLEASE SEE ATTACHMENTS : REPORT FILED WITH FTC and I have also filed a complaint against them on XXXX.
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I attempted over an 18 month to have items removed due to data breach. 

Dear Consumer Financial Protection Bureau ( CFPB ), My information was sold and bought illegally because I was a victim of the 'Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from+ my credit reports. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have spent so much in resources, time and energy trying to get them this to rectify erroneous issues on credit report. Please assist me getting this resolved as it is impacting my financial well being. 

Thanks for your time and consideration in this matter. 

Many thanks, XXXX XXXX
Consumer complaint received 2021-06-07
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

EQUIFAX IS NOT HELPING ME AT ALL EQUIFAX INDICATES THEY CANT DO A PERSONAL DISPUTES CONFIRMATION # XXXX RESEARCH NUMBER
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

i was recently released from a long XXXX  when i found on my credit report to be suspicious activity or in other words my identity was being use without my authorization. On XXXX  i sent to Equifax, XXXX, and XXXX via priority mail an Identity theft Affidavit, dispute letter and supporting documentation such as Proof Of XXXX. The expected delivery date was XX/XX/XXXX. Also on XX/XX/XXXX i sent dispute letters and supporting documents individually to the creditors XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX with expected delivery dates of XX/XX/XXXX and XX/XX/XXXX. ( after verification with mail carrier it was confirmed that all packages was in fact delivered on their expected dates ) On XX/XX/XXXX Equifax 's system shows that they received the documents. In between that date and the date of XX/XX/XXXX Equifax was investigating the claim. On XX/XX/XXXX Equifax completed the investigation but there were still XXXX accounts on my credit report that resulted from identity theft. Those acounts that were not removed as a result on my SSN being compromised were : -XXXX XXXX XXXX acct # XXXX Balance : {$16.00} -XXXX XXXX XXXX acct # XXXX Balance : {$170.00} XXXX XXXX acct # XXXX Balance : {$0.00} On XX/XX/XXXX I recorded a call with a representative by the name of XXXX who best advised me to file another dispute. So felt with no other options i took the advice of the representative.
Consumer complaint received 2024-01-20
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.