davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-30
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. (MO)

Subject : Complaint Regarding Charge-Off on Loan for XXXX XXXX XXXX  To Whom It May Concern : I am writing to formally request the CFPBs assistance regarding a charge-off reported on my account for a XXXX  XXXX XXXX. The charge-off, reported on has negatively impacted my credit report and financial well-being. Despite attempts to resolve this matter with the lender, I believe this charge-off may not be accurately reported or may not reflect my efforts to make good faith payments. 

Under the Fair Credit Reporting Act ( FCRA ), I understand that I have the right to dispute inaccurate or misleading information on my credit report. Additionally, if a third-party debt collector is involved, I am entitled to fair treatment under the Fair Debt Collection Practices Act ( FDCPA ). I am concerned that the lenders handling of this charge-off may not be in compliance with these regulations and may reflect inaccuracies that harm my financial reputation. 

Therefore, I respectfully request that the CFPB review this matter and, if appropriate, seek the deletion of the charge-off from my credit report to reflect a more accurate credit history. Alternatively, I ask for any corrective action necessary to ensure that the lenders reporting practices align with FCRA guidelines. 

Please feel free to contact me for any additional information or documentation needed to proceed with this complaint. Thank you very much for your attention to this matter and for your attention and for helping consumers like myself recieve fair and accurate credit reporting. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

REMOVED THESE ACCOUNTS THEY ARE PAID IN FULL AND OR i AM NOT RESPONSIBLE i SENT ID AND POLICE REPORTS MANY TIMES I ALSO SENT CERT MAIL I HAVE PROOF XXXX XXXX XXXX XXXX Also known as XXXX XXXX XXXX XXXXXXXX Account number XXXX AND XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Individual
Consumer complaint received 2024-10-30
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. (AZ)

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX Account Number : XXXX Delete from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete from my credit report.

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account.

4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report.

5. 15 U.S. CODE 1692e - False or misleading representations XXXX  Account Number : XXXX Update to Open/Never late
Consumer complaint received 2017-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

It has been my observation that there is an apparent pattern on the part of my mortgage company ( Select Portfolio Servicing, inc ) of statement of being  behind in our payments of 2, 3 and even as of XXXX we are almost 4 payments behind. Upon XXXX I requested a payment history, which upon receipt ( 3 pages front and back ) were inegilgable, printed very small. Also reported that a money orders was not received, my requested bank statement from my bank showed differences from their payment history. This mortgage company has communicated to us that as of XXXX if this amount of {$2100.00} from the first mortgage has been paid, my account would turned over to their lawyers to begin foreclosure proceedings. I have remitted in payments in XXXX, XXXX, XXXX, XXXX, XXXX, and as recently as XXXX and XXXX of XXXX to cover any pass due payments, and in this year XXXX in the same months. This basis of my complaint.
Consumer complaint received 2024-10-30
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. (FL)

I have tons of hard inquiries on my credit report, and I have no idea who they are from I have applied to none of these companies for anything. I have had my identity stolen before. I had personal information stolen when my car was stolen last year I am not sure if any of this has something to do with the inquiries. It appears someone has been inquiring on some types of loans or credit accounts. I was directed here while trying to file a report and make disputes. The following companies have made inquiries on my report and I don't even know who they are It seems to be around the time my car was stolen. I am looking for a copy of my police report, I can't locate it at the moment but I can get a copy of it if I need to. 

XX/XX/year> XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX 2023 XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, SC XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXXP XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX 2023 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SC XXXX XXXX XXXX XXXX 2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Inquiry XXXX XXXX XX/XX/year> Collection : 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 Former : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX : XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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'VE BEEN A VICTIM OF IDENTITY THEFT. I HAVE NOTICED SOME UNAUTHORIZED ACCOUNTS ON MY CREDIT REPORT I HAVE NEVER BENEFITED FROM. I HAVE SENT SEVERAL DISPUTES TO EACH CREDIT BUREAU, AND WILL BE REQUESTING A FRAUD PACKET FROM XXXX SPECIFICALLY. I NEED THESE FRAUDULENT ACCOUNTS REMOVED FROM MY CREDIT REPORTS IMMEDIATELTY, FOR I AM A CURRENT STUDENT WHO IS FINANCIALLY BEING IMPACTED. I WAS ALSO PART OF THE XXXX  EQUIFAX DATA BREACH, AND HAD SOMEONE USE MY INFORMATION UNKNOWINGLY TO OPEN THE XXXX CARD. PLEASE REMOVE THESE ITEMS IMMEDIATELY
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. ()

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2024-10-30
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 writing to formally request the blocking and deletion of the following accounts and inquiries from my credit report. As a victim of a recent data breach, I believe these accounts and inquiries may be linked to unauthorized activity, and I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to protect my credit information from potential fraud. 
Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$870.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : 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 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
Consumer complaint received 2017-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LJ Ross Associates (MI)

I have a discrepancy on all three of my credit reports ( XXXX XXXX and XXXX ). Their is an account that is listed on all three of my credit reports from LJ Ross and Associates. I had no knowledge of this collection until I needed to put a utility ( electricity ) in my name at my residence. Due to the fact that I needed the electricity on, I did not dispute, verify or validate this collection. The one thing that I did address with LJ Ross is that this collection would be removed from my XXXX XXXX and XXXX  credit reports after it was paid in full. This collection was paid in full for {$300.00} in XX/XX/XXXX. I truly thought that LJ Ross and Associates would complete their end of the agreement as I completed my end of the agreement by paying {$300.00} in XX/XX/XXXX. Fast forward to XX/XX/XXXX, while going over my credit reports LJ Ross and Associates DID NOT uphold their end of the agreement in deleting this collection from XXXX XXXX and XXXX This collection was instead marked PAID, CLOSED as of XX/XX/XXXX, not DELETED per the agreement between LJ Ross Associates and I.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. ()

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2017-10-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (MD)

Please note : XXXX stands for XXXX XXXX XXXX, which is me ( XXXX XXXX ) Mortgage company is not being responsive, please see attachments. I have tried to contact lender on following dates : XX/XX/XXXX - confirming lender received documentation XX/XX/XXXX - called twice no one answer the call XX/XX/XXXX - called twice no one answer the call XX/XX/XXXX - email lender and cc XX/XX/XXXX - called lender was on call for 20 min., only to be told she can not help but will pass my contact info to the loan counseling dept hopefully someone will call back in 24-48 hours.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-10-30
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. (NC)

These agencies are not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting. My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( XXXX ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I, therefore, request that you immediately delete the items specified. 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-30
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)

I am reaching out as a victim of a recent data breach, which has compromised my personal and financial information. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am formally requesting the blocking and deletion of specific fraudulent accounts and inquiries from my credit report.

The compromised information has resulted in the appearance of unauthorized accounts and inquiries on my file, detailed below.

Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$5900.00} XXXX - XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} Inquiries to Be Removed : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-10-30
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)

Identity Theft! I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I was stunned to find inaccurate accounts on my credit report this morning and cant figure out why. I check my report regularly, but today, unexpected discrepancies appeared out of nowhere. I even refreshed my browser, hoping it was a glitch, but nothing changedthe errors were still there. I urgently need my documents to be reviewed closely so I can finally have peace of mind over my credit report.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries on my credit report. I am a victim of identity theft, and the following accounts and inquiries were not authorized by me. 
Under the provisions of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the prompt blocking of the following information from my credit report : Fraudulent Accounts : XXXX. XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$00.00} XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/XXXX Balance : {$540.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Opened : XX/XX/XXXX Balance : {$69.00} Unauthorized Inquiries : XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXX
Consumer complaint received 2017-10-31
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF THE WEST (CA)

I have an automatic bill-pay set up with a merchant to sent out twice a month ; on the XXXX and the last day of every month to correspond with my pay-days. For some reason even the bank admits they have no explanation or backup for, they sent this month on the XXXX instead of the XXXX, causing my account to go into a negative balance. I had called my bank to find out why and to make sure I would not be charged any overdraft fees. The Bank has refused to do so, even though I can show that every past payment has been made on the last day of the month or later. 

Bank of the West has a history of manipulating transactions to maximize overdraft fees ; they were forced to pay {$18.00} XXXX in a class action lawsuit in 2012. I respectfully request any overdraft fees resulting from their mistake to be rescinded.
Consumer complaint received 2024-10-30
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. (IL)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.