davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-01
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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by 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 within Grace Period : The reported 30-day late payment is inaccurate because my records show that the payment was made on time, well within the creditors 15-day grace period. Therefore, reporting a 30-day late payment is incorrect.

Clerical Error : Upon review of my account, I identified a clerical error where a payment was incorrectly applied to a different due date, causing the late payment report. Documentation from my financial institution shows the payment was processed on time. 
Evidence Provided : I have attached bank statements and transaction records confirming the timely payments, which prove that no late payment occurred. Additionally, the creditor failed to notify me of any delinquency, which is a required step before reporting a late payment. 
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 XXXX XXXX XXXX
Consumer complaint received 2024-10-01
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. (NY)

ive recently received a copy of my credit report and noticed that several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. XXXX 
Cc: Consumer Financial Protection Bureau 
Cc: Attorney Generals Office 
Cc: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This letter is in reference to the account listed on my credit report by XXXX XXXX XXXX XXXX XXXXXXXX under account XXXX This account is being illegally reported on my credit report. I formally disputed it directly with XXXXXXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX, I am requesting your method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting this erroneous item. 

Thank YouXXXX XXXX XXXX


Further more I would like to add there was a finding about the settlement between Consumer Financial Protection and XXXX XXXX XXXX XXXX. for Credit reporting violations. The link below shows the article as well as the PDF of ADMINISTRATIVE PROCEEDING File No. XXXX
Consumer complaint received 2017-10-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Hello my name is XXXX XXXX, I am submitting a complaint on both XXXX XXXX XXXX XXXX Second mortgage and all XXXX Credit Bureaus ( XXXX XXXX XXXX and Experian XXXX. 

On XXXX XXXX, XXXX I called XXXX to have verbiage remarks removed from XXXX and hours latter my XXXX XXXX dropped XXXX points. I called XXXX back to find out what caused this and after about XXXX it was discovered that my payment history with XXXX was removed by XXXX while removing the remark verbiage. XXXX said that this could be due to human error. XXXX stated that they would dispute this on my behalf and it should be taken care of in the next 30 days or so if they XXXX does n't have a problem with the dispute. 
XXXX XXXX, I also requested that XXXX and Experian remove the same verbiage from my closed account with XXXX and 4 days later my XXXX score dropped XXXX points. I am assuming Experian is to follow in the pattern however the current scores as of XXXX XXXX does not reflect a drop. 
I have NO late payments as of XXXX XXXX, XXXX on any of my accounts, my last known late payment was in XXXX, my credit card balances percentages are less than 39 % overall, I have had several inquiries on my credit ( XXXX in the last 3 months ) but doubt these hard inquires would such a drop in my XXXX XXXX.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

Fraudulent account that was closed now they put it back on my account its been a pain its been hindering my life with things I wan na do XXXX XXXX  Last reported XX/XX/XXXX Opened XX/XX/XXXX {$26000.00} The company hasnt provided any info like was the money transferred in and out of the account or anything I just didnt understand til I spoke with a consultant I want this account off my credit its been a pain now they wan na reinvestigate putting the account back on my credit over and over They should investigate who transferred the money or etc around cause I surely didnt 15 U.S.C. 1681s-2 This section of the code covers the responsibilities of information providers to consumer reporting agencies. It prohibits the reporting of inaccurate information, and requires that information providers correct inaccurate information after being notified by the consumer. 

My information may have been impacted by the Equifax Data Breach and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists The Fair Credit Reporting Act ( FCRA ) in the United States Code gives consumers the right to dispute and remove inaccurate inquiries from their credit reports :
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC. (TX)

I have been unable to access my online my Equifax account since XXXX of 2023. For the past XXXX  months I have put in over XXXX support tickets to tech support to get the issue resolved however on XX/XX/XXXX a supervisor reached out to tech support who in response told them that Equifax security team put a block on my online myEquifax account in XXXX of 2023 due to suspected fraud and that I needed to send in identity documents to get the block remove in response I told the supervisor I sent in identity documents in XXXX, XXXX, XXXX and XXXX of 2024 and they still didn't remove the block off my Equifax account. So on yesterday XX/XX/XXXX I spoke with Equifax consumer affairs to a man name XXXX out of XXXX, XXXX  who seemed to be a little rude and told me that nothing was needed for me to send in and that I have to wait until XXXX of 2025 for the block to fall off and then I can create a new account I asked him why I have to wait he told me that he don't have the information of why I have to wait at this time and then he told me he have to end the call and hung up. So I called back and spoke with XXXX who in response told me that the security team will reach out to me and that's all the information he has. I called back and spoke with a lady who told me that the block will fall off in XXXX of 2024. I need access to my online Equifax now. My online Equifax account has never been use for fraud or anything of that nature. My Equifax account was use to view my credit and find inaccuracies and submit the problems to Equifax.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (SC)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC, XXXX XX/XX/year> Credit Collection Services XXXX XXXX XXXX XXXX MA XXXX Re : Account Number : XXXX Debt Amount : XXXX Dear Credit Collection Services I am writing in response to your communication dated XX/XX/year> regarding a debt you claim I owe. I am requesting that you provide full validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following information : 1. Verification of the debt, including the amount owed and the original creditors name.

2. A copy of any contract or agreement showing that I am legally obligated to pay this debt.

3. Proof that you are legally entitled to collect this debt.

4. Documentation of the complete payment history, including how you calculated what you say I owe.

5. The name and address of the original creditor, along with any account number associated with this debt.

According to the FDCPA, you must stop all collection activity until you provide sufficient evidence that validates this debt. Any further attempts to collect without such validation will be considered a violation of the FDCPA.

Please note that this letter is not a refusal to pay but a request for information. Once you provide the requested documents, I will review them and respond accordingly.

I also request that you refrain from contacting me via telephone. All future communications should be in writing to the address listed above. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC. (KY)

This correspondence serves to convey my profound dissatisfaction regarding the management of our loan payments. Several years ago, we underwent the loan modification process due to difficulties in meeting our payment obligations. Unfortunately, the modification yielded only a modest reduction of {$100.00} per month, which proved to be insufficient. Subsequently, the monthly payments increased as a result of adjustments in escrow and taxes, a development that is understandable. However, the variability in the monthly payment amounts has made it increasingly difficult to keep track of the precise amount owed each month. On a couple of occasions, I failed to note the exact payment amount, resulting in the return of my payments. I attempted to rectify this by paying the difference on one occasion, but that payment was also returned. Currently, my payments, which reflect the accurate total, are being returned as well. This situation has led to my account being marked as delinquent, with payments being returned to me 2-3 weeks after the payment is made. 

It is evident that I have been consistently making my payments. For the past six months, I have been paying {$1400.00} each month ; however, the payment amount changed once more in XXXX, increasing by nearly {$200.00}. As I receive my salary biweekly and have additional financial obligations, I find it perplexing that my full payments are not being accepted. While I acknowledge the possibility of incurring late fees or other charges, outright refusal of payment is unreasonable. This situation is leading to significant delinquency in my account, which poses a serious issue. 
Below is a history of my payments to date. 
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  Two full payments of {$1500.00} have been refunded to me to date, and I suspect a 3rd payment recently made will be as well.
Consumer complaint received 2024-10-01
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. (NY)

According to XXXX guidelines, canceled debt or charge-offs are considered gross income. However, under the Fair Credit Reporting Act, consumer reporting agencies must ensure maximum accuracy in reported information. If a charge-off is inaccurately reported, it can impact a consumer 's creditworthiness. Consumers have the right to dispute inaccuracies and request corrections to maintain truthful credit reports. While canceled debt may be treated as income by the XXXX, the accuracy of charge-off entries must be verified to protect consumers from financial harm.
Consumer complaint received 2024-10-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A. (IL)

On XX/XX/XXXX, I opened a CD account with XXXXXXXX XXXX  online. {$210000.00} money transfer was initiated to be transferred from PNC Bank to XXXX XXXX I called PNC to confirm the transfer was going from my account to XXXX 

On XX/XX/XXXX, XXXX fraud department notified me that PNC placed an alert on the transfer and demanded the money to be returned. I called PNC, got hung up 3x, and spent 3 hours on the phone trying to get help. PNC customer service couldn't connect with their own ACH department. A dispute was filed. 

On XX/XX/XXXX, I found out from XXXX  that PNC sent the money under account # XXXX. That's not my account. I called PNC was told not to worry since a dispute was already filed. I called PNC again on XX/XX/XXXX to report this issue because I think this is important info. I was told to call back on XX/XX/XXXX so I can speak with the dispute team. 

I called PNC on XX/XX/XXXX and was told that the dispute team doesn't speak with customer service. The PNC customer service representative was able to speak with the XXXX department. I was told that someone should have placed a stop payment or a reverse transaction request on XX/XX/XXXX, but it's not too late to place such an order on XX/XX/XXXX because there's XXXX business days wait time for money transfer. So, my case was escalated. Instead of having to wait XXXX business days, my case would be resolved within 1-3 business days. 

I called PNC on XX/XX/XXXX for an update and was told a different story. I was told that I need to wait for 10 days. I asked to speak with a manager. A manager called me on XX/XX/XXXX and told me that there's nothing customer service can do for me, ACH department is the one who deals with this issue. However, I'm not allowed to speak with the ACH department. I asked for the resolution team. 

On XX/XX/XXXX, I called the PNC fraud department to report this case. There's a possibility that someone at PNC is trying to steal money from my account ( sent money under the wrong account and demanded money back. The returned money is going to account # XXXX, not my account # XXXX ). The PNC fraud department couldn't do anything. They escalated my complaint to an executive team. 

On XX/XX/XXXX, XXXX from the executive team ( XXXX ) called me. He asked me to get the ACH tracing/tracking number from XXXX Bank to prove that they sent the money back to PNC. I spent 2 hours, got the info and conveyed it to XXXX. He told me that with this tracking number, PNC Bank should be able to confirm that the money is returned. I should be able to get my money back by Monday. 

On XXXX, I still don't have my money back. I called XXXX for an update. He changed his narrative and told me that the case takes 10 business days. I just need to wait. 

PNC Bank is giving me the run arounds. I was giving conflicting information. I'm not getting any help. PNC Bank needs to return my money. I need help. Please help me.
Consumer complaint received 2024-10-01
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: Experian Information Solutions Inc. (CA)

To Whom It May Concern, I want to remind you once again that you must immediately remove any unproven claims listed above or below from your reporting. For you, as the provider of alleged data, to have the conditional privilege to report, you must meet at least the minimum criteria. I do not accept the reportability of any claims that you can not prove with undeniable facts, even those that comply with the necessary reporting practices mandated to be certifiably compliant, especially the mandatory and complete Metro 2 Compliance standards set by CDIA in their CRRG, where it is clearly stated that any deviation from these standards jeopardizes the integrity of the data. I checked my credit report, which I acquired from your organization and I noticed that this unauthorized inquiry had been made : XXXX XXXX XXXX XX/XX/year> The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XX/XX/year> The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE! 

XXXX XXXX XXXX XX/XX/year> The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Consumer complaint received 2017-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

This month in XXXX i sent a complaint about equifax reportung incorrect info and here it is it ... this the 3rd time they have removed and the. Readded these 2 accounts that i have pictures of that should not be on my report at all! XXXX XXXX and XXXX XXXX ... these were suppose to be deleted because they part of bankruptcys that were deleted and should not be on my report.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MI)

RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that clearly violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( 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 unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date. ( XXXX ) Failure to Reflect Payment : The creditor failed to properly reflect a payment or a credit issued to me. ( XXXX ) Computation Error : There is a computation error or similar accounting error on the creditors statement. Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXX  - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

NAVIENT - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

XXXX  - XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. 

XXXX XXXX XXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately.