davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

ssistance in addressing serious inaccuracies and unauthorized activity on my credit reports that have not been corrected despite my repeated efforts to resolve them directly with the credit reporting agencies. 

After obtaining my Federal credit report, I discovered multiple inquiries on all three of my credit reports ( XXXX, Equifax, and XXXX ) that I did not authorize. In addition, I have identified several other discrepancies, including : 1. Collections Misreported : Accounts that have been paid off are still showing as open collections, and they continue to reflect as negative items. 
2. Inaccurate Status of Accounts : Paid-off balances are still being reported as delinquent or showing as having late payments, which is affecting my creditworthiness. 
3. Incorrect Personal Information : My credit report contains aliases and variations of my name that I have repeatedly requested to be corrected or removed, yet they remain. 
4. General Inaccuracy and Misreporting : Other items on my credit report are simply not accurate or up-to-date. 

I have sent multiple dispute letters, followed up by phone calls, and have repeatedly asked the credit bureaus to verify the accuracy of the reported information, but they have failed to do so. In most cases, my calls are dropped, or I am transferred and subsequently disconnected without resolution. This has been extremely frustrating and has created a significant hardship, as these inaccuracies are negatively impacting my financial stability and my ability to provide for my family. 

As this has caused me considerable stress and detriment to my credit standing, I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that the credit reporting agencies take appropriate corrective action and resolve these disputes in a timely and thorough manner. 

I would greatly appreciate your assistance in bringing this matter to resolution and ensuring that my rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Thank you for your attention to this issue.
Consumer complaint received 2024-10-07
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. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-07
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. (MI)

I submitted a full police report from the XXXX Police Department requesting a block on the following listed accounts in accordance to the FCRA and FDCP they are in violation of serveral laws 15 USC 1681 ( 1 ) ( s ) states the following 15 USC 1681 ( B ) company has no right XXXX XXXX Account number : XXXX Inaccurate reporting dates and amounts XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

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 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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.
Consumer complaint received 2017-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (TX)

I spoke with a representative with NELNET in regards to eleven " Late 120 days '' accounts currently being reported to credit bureaus in the amount of {$0.00} past due. She stated that my account has not been with NELNET since XX/XX/XXXX, however they are still going to report late payments for the next 7 years. It is XX/XX/XXXX and I am being penalized for consolidating my loans with a different servicing company. This is extremely unethical and unfair for someone who is paying their student loans on time monthly but is still being reported for a XXXX balance, for XXXX separate accounts, by a company who no longer has access to your account.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally request the immediate blocking and deletion of fraudulent accounts on my credit report, as I have been a victim of identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be removed from my credit file : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Consumer complaint received 2024-10-07
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. (NY)

My name is XXXX XXXX, and I am submitting this complaint personally, not on behalf of any third party, and it is not being made in error. Under penalty of perjury, I declare that I am alleging unauthorized use of my Social Security number and personal identifying information by an individual or company. Without my consent, they used this information to apply for goods, services, or financial gain, resulting in the creation of accounts. I have no knowledge of these accounts, they must remove any incorrect or unverified item. Their adverse and unacceptable actions have severely harmed my credit scores.
Consumer complaint received 2017-03-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CO)

I have had consistent payment history for over 3.5 years on my mortgage with wells fargo through a property that I own in Missouri until just recently. In XXXX, there was an issue that an automatic payment was drafted through my XXXX bank account from Wells Fargo, yet Wells Fargo after conducting an internal inquiry, says that they never received the funds. This issue caused several overdraft and late payment fees. Then again, this month.. The total draft amount is {$1400.00}, and this attempted to process on the XXXX of this months where I had the funds in my normal account, yet their attempt to draft resulted in a NSF fee and late fee stating that there was n't enough funds to process the transaction.. When my bank records clearly show that there was over {$2800.00} in the account at the time that the draft was attempted. This month I received a letter stating that I have not submitted my mortgage payment, then the next day I received my mortgage statement with notification that my payment was received. 

This XXXX instances have caused multiple associated fees and charges exceeding $ XXXX {$200.00}, in addition to the mortgage payments in question.
Consumer complaint received 2017-03-16
Product: Consumer Loan — Pawn loan
Issue: Charged fees or interest I didn't expect — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

XXXX Home Loans Manager Vice President NMLS ID : XXXX XXXX XXXX, WA XXXX Direct XXXX Fax XXXX XXXX Dear XXXX : RE : loan no : XXXX At the end of year XX/XX/XXXX, I misled to refinance when I inquired home equity of my condo and paid appraisal fee and XXXX did not disclose a hidden fee of condo questionnaire fee at XXXX branch and I kept getting statements from BOA about closing fee about {$4000.00} more than {$1100.00} XXXX promised on day one and I was really disappointed to cancel the loan. I complained to you on the phone and you understood that and told me you did not have power to make a decision. Would you please direct me to the decision maker? After that, when ever I followed up by email or phone, you never responded. I am disappointed because I should not be responsible for appraisal fee at all when I clearly requested home equity without any cost and the hidden fee of condo questionnaire, {$330.00} was not disclosed clearly. It is obviously against TILA and CPA. 
To resolve the problem, I would appreciate your effort. 
I look forward to your reply and a resolution to my problem and will wait until XX/XX/XXXX before seeking help from a consumer protection agency or the XXXX or from XXXX, XXXX consumer reporter or filing a claim to XXXX county bar association 's consumer division. Please contact me at the above address or by phone at XXXX. 
Sincerely, XXXX
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

Hello, the discrepancies on my credit report are seriously holding back my financial freedom. Every time I apply for new credit, I get denied because of these errors. It's incredibly frustrating that my rights as a consumer are being ignored and violated.
Consumer complaint received 2024-10-07
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 am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-10-07
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 asking for your help with this incorrect account on my credit report. It has damaged my reputation significantly, and I need your assistance. Your improper handling of my report has severely hurt me, and the incorrect details need to be removed as soon as possible.
Consumer complaint received 2017-03-16
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Bridgecrest Acceptance Corporation (IL)

I was XXXX and very desperate for a vehicle since my previous vehicle had just broke down. So I heard of XXXX on a commercial about them accepting everyone and since I had no credit I went by alone one day to purchase a vehicle from them. I got there they had pick out a vehicle they gave me a few choices since I only had XXXX down I qualified for only a few select vehicles. I chose a vehicle they showed me an XXXX which said it had no accidents months later I found out it did on XXXX. Anyway they just showed me a monthly payment for the vehicle they never showed me the break down until I did the paperwork for the vehicle. They did n't negotiate the price of the vehicle and I found out in finance there was a lot more I was paying for than just the vehicle and interest. They told me all the products on the vehicle had to be purchased as well since it came with it like GAP, extended warranty, and GPS tracking they said it was a perk of buying the vehicle from XXXX and I found all this out while doing the paperwork online. Was not able to properly read over documents since it was done on the computer and they only gave a brief summary of what the document was. So I end up financing over {$16000.00} for a XXXX with around XXXX miles on it. A few months later I began selling cars and got my vehicle appraised and it was worth {$4500.00} at best. So now my first auto loan I am beyond upside down on because they took advantage of me being alone and not knowledgeable about buying a vehicle or credit or anything like that.
Consumer complaint received 2017-03-16
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KS)

I bought a car originally through a dealership and signed a contract for certain terms and a loan. Then we decided on a different car through the dealership and filled out new paperwork and signed the paperwork on the new car and loan. The loan was right for the first 2 months then I went back to the wrong loan price with the wrong Vin. I have been in conatact with capital one and the dealership with no resolution as of yet. This process has been going on in excess of 3 months. I think I am finally making headway no that I am at the presidents office at Capital one but I want to make sure it does n't hit a roadblock or get stuck on someone 's desk for another 3 months
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC. (AZ)

This is now my 5 attempt in regards to this company. My prior request was to have the orginal balance being reported and it be removed as this company is not aviding by the fdpca nor the fcra regulations. This item has been reporting on my reports since XXXX and all these years there has not been a single penny added to the amount until XXXX. I have disputed this item on my credit reports multiple times request a indepth summary as to why it is on there and the balance being reported to show me proof that this balance is correct when it is NOT! The paper work this company is sending me does not show me by law they are allowed to add interest 6 1/2 years later almost 7 years later. The documents provided only show that XXXX states the conduct un eithical business with they are allowed to pursue increase balances. Also balances can not be adjusted by law when the account hits collections and has been in collections for the time lengeth it has been. This company has called my work which is against the law, they have harrased me, and have provided me with documentation showing they stated this is reporting as a judgment on my reports. I have requested to have this item removed! I got a generic response from my previous complaint and nothing from my others.
Consumer complaint received 2017-03-16
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

The reason for my complaint is : Improper reporting of credit to the XXXX major credit reporting agencies. XXXX separate credit card accounts dating back to when delinquencies started ( XX/XX/2011 & XX/XX/2011 ). The XXXX referenced items were supposed to be " charged off " 150-180 days after the dates of delinquency ( as told to me from a current co. I am working with to secure a loan and by the credit grantor that created the problems ). They were not. They are still being reported as being late. XXXX credit card : 30 days 1x - 60 days 1x - 90+ days 64X. XXXX credit card : 30 days 1X - 60 days - 0X 90+ days 64X. The credit grantor stated, " The dates of the credit cards " charged off " were XX/XX/2011 & XX/XX/2011 ( respectively ) '' .The credit reports from the XXXX reporting companies do not indicate this at all. I was told, " The accounts are in the Recovery Dept. ''. 64X @ 90+ days late = 5,760 +/-. Well past the time they were supposed to have been " charged off ". This has greatly affected my credit in the past years and is currently affecting my credit. I am in the process of applying for a home loan and the loan co. noticed this on my reports. I do not get regular credit reports or keep a constant watch on what is and what is not being reported.
Consumer complaint received 2017-03-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC. (GA)

I called Midland funding to offer a settlement on a very old debt. They threatened me and indicated I am being sued and needed to contact XXXX 

I called XXXX and was rudely told I am being sued. The lady I spoke with was XXXX. She refused to accept a settlement although I insisted this account was included in a bankruptcy.
Consumer complaint received 2017-03-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XXXX/15 I disputed this debt with Transunion as well as the collector claiming that I am no longer liable for the account. Debt Collector agency is XXXX which bought the account from the original creditor XXXX. The amount in question is {$750.00}. I closed my account with XXXX at the end of the service agreement period and I do not owe this money.
Consumer complaint received 2017-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Early this year I completed and mailed in the form on the CFPBs website requesting a free copy of my credit report from each of  XXXX ,  XXXX  and Trans Union.
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As of today,   XXXX    XXXX , 2017, I have not received a copy of my credit report from any of them this year.
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I am applying for a mortgage and must get copies of my credit reports.
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Please force each of these credit agencies to send me a copy of my credit report without further delay.
Consumer complaint received 2017-03-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Riverwalk Financial Corporation (PA)

A company named Deville Mgmt placed a debt on my XXXX credit report that is not mine. I do not know who this company is, nor have I ever owed such an outstanding amount. The debt listed on my report just showed up as a collections debt yesterday XXXX/XXXX/17 and states that it is from Deville Mgmt with an account number of XXXX, stating that this is the original creditor and the amount is for {$9000.00}.
Consumer complaint received 2017-03-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (NM)

I spoke with XXXX XXXX, from Wells Fargo who was very helpful and suggested I called the estate department. My parents are dead, I inherited the home via a transfer on death dead, and I live in the home and pay the mortgage. Until yesterday Wells Fargo would not give me any information about the loan. I understand the need for consumer privacy but the failure to respond to a legitimate mortgage servicing issue is unreal. 
At the assumption department the customer service department told me that I would have to credit qualify for the loan. I explained to them that I thought that was not accurate since I inherited the home. I spoke with a Supervisor, XXXX XXXX, who explained that she had worked in the department for 14 years and because of the CFPB rules and the Dodd Frank Act I needed to credit qualify. I explained that I had sent in death certificates and the deed and that I should be able to assume the loan under operation of law. I asked her to give me the specific rule that said I needed to credit qualify. I explained that I do n't want to pay on a mortgage for 25 years without being able to take the tax deduction. I think she is incorrect under the Garn St. Germain Act and she refused to mail me an assumption package, she explained that Wells Fargo does n't do that any more. I have been trying to get an assumption package and information about the loan since my fathers death. I think its wrong for Well Fargo to give false and misleading information to their customers and then blame the CFPB for the rule making. This loan originated before the CFPB rules. This is unfair and deceptive and likely happening to hundreds of consumers.
Consumer complaint received 2017-07-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Fail to Send a Written Notice of the Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt I WAS NEVER CONTACTED OR MADE AWARE OF THIS DEBT