davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with 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 in 60 days 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.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2016-10-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been trying to work with Wells Fargo in regards to a loan modification : But, before you can be reviewed you have to pass their " ReEntry team ''. This team decides whether or not you should ; d be reviewed for a loan modification. If they say " you are not worthy of a review '' they deny your request, and you do not have an option of an appeal process. They violate your " Home Owner XXXX '' by not reviewing your file. I just want to save my home.
Consumer complaint received 2024-08-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 2024-10-08
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. (TX)

XX/XX/XXXX {$4500.00} XXXX XXXX XXXX Account details Account Number XXXX Date Opened XX/XX/XXXX Last Activity XX/XX/XXXX Original Creditor XXXX XXXX Monthly Payment {$0.00} Term Source Type Provided Current Rating Collection/Charge-off Status Closed Type Individual High Balance {$4500.00} Unpaid Balance {$4500.00} Highest Adverse Rating Collection/Chargeoff Most Recent Adverse Rating Collection/Chargeoff Comments Account Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or Credit XXXX 's XXXX XXXX XXXX XXXX Account Previously In Dispute - Now Resolved - Reported By Subscriber Account details Youve Made 0 % Of Payments For This Account On Time. 
Collection agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Paid on time 30 days past due 60 days past due 90 days past due 120 days past due 150 days past due Bankruptcy Repossession or foreclosure Collection or charge off Voluntary surrender No data available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A Account ID : XXXX
Consumer complaint received 2024-08-09
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. (CA)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-08-09
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. (CA)

t : Dispute of Fraudulent collection Account XXXX XXXX XXXX partners, Experian, XXXX, and XXXX XXXX I am writing to formally dispute the inaccurate and fraudulent information that appears on my credit report under the account name " XXXX Partners '' ( Account Number : XXXX ). This account, which is listed as a collection account with a balance of {$1200.00}, is not mine and was opened fraudulently. XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) : ** - Under the FCRA, Section 605B ( 15 U.S. Code 1681c2 ), consumers have the right to block information resulting from identity theft from appearing on their credit reports. As this account is fraudulent, I request that it be blocked from my credit report immediately. - Additionally, under FCRA Section 611 ( 15 U.S. Code 1681i ), I am requesting a reinvestigation of this account. The credit reporting agency is required to complete the reinvestigation within 30 days of receiving my dispute. XXXX. California State Laws : ** - Under the California Consumer Privacy Act ( CCPA ), I am entitled to request the deletion of personal information collected by a business that is not accurate. Since this account was fraudulently opened, I am requesting that all associated personal information be deleted from your records and not shared with third parties. - Furthermore, per the California Civil Code Section 1785.16 ( Californias Credit Reporting Agencies Act ), I have the right to request a reinvestigation of inaccurate or incomplete information on my credit report. The credit reporting agency must respond to this request within 30 business days. Please consider this letter my formal complaint and dispute, and I expect a response within the legally mandated timeframe. Enclosed are copies of my identification and any other documentation to support my dispute ( e.g., police report, FTC Identity Theft Report ). Thank you for your prompt attention to this matter. If this issue is not resolved to my satisfaction, I am prepared to take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the California XXXX XXXXXXXX XXXX Oversight, and potentially pursuing legal action.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (TX)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.
Consumer complaint received 2024-08-09
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. (CA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-10-08
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-07-17
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (GA)

This would be " Part II '' of my complaint. I have submitted XXXX regarding my prior mortgage company XXXX XXXX. 
My mortgage company, XXXX XXXX XXXX, sold my loan to Roundpoint Mortgage. Since Roundpoint has had my loan, they have insisted that I am in arrears due to money owed with XXXX XXXX. I was caught up with my payments with LenderLive ( although apparently they beg to differ ) but can not get them to communicate with me or Roundpoint and this should certainly been done by now. 
My biggest problem with Roundpoint is that they are trying to charge me late fees for this Lenderlive problem. I have since paid the XXXX while I am trying to straighten them out the problem but it is not my debt or error. I paid all of my mortgage payments!! 
The other problem is Roundpoints awesomely BAD customer service. I have called several times and each person I speak has been very nice but has NO idea of my true loan history is with them. 
1 ) Their bookkeeping is very confusing. I call them to discuss this past due amount that is hanging out and they tell me something different every time. First that I NEVER paid XXXX in XXXX ( but I did ) ; once they told me I never made an XXXX pmt to Roundpoint ( but I did ) ; they told me that I have only made 2 payments ( when I have made 4 ). When the last lady I spoke to said that, I asked to speak to her supervisor who kind of straightened things out - she said I had a nonsuffient funds on XXXX I tried to pay. I said I had plenty of money in the bank then. I asked her which of my accounts they submitted it to and she said my XXXX XXXX XXXX ACCOUNT a bank account which I have NEVER had ( yet I did receive an email confirming my transaction was for the correct account and correct bank so why did they submit it to the wrong account????? ). She took off the late charge with the agreement that I would pay the XXXX with another account. Which was " nice ''. 
Upon hearing this, I made another payment for the XXXX NOT because I owe it but because I do not want to have to contest late payments in addition to everything else and I do not want to ruin my credit. I do try to look up my Roundpoint account online to check my payments but the only thing they have posted ( as of today ) is attached ( for XXXX/XXXX/16 for XXXX - the nsf XXXX that does not even show up ) ; payment for XXXX for XXXX and payment for XXXX for XXXX. I CAN NOT SEE ANY OTHERS OF MY PAST PAYMENTS. 

At least they do answer their phones but 99 % of the time they have the wrong information. 
I am attaching a copy of my LAST XXXX XXXX mortgage statement and a copy of the FIRST Roundpoint mortgage statement I have. Maybe you can see what happened during this transition to make me incur this XXXX debt when it was transferred. Can you help me please? 
Thank you! 
XXXX XXXX
Consumer complaint received 2024-10-08
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)

INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-08
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)

XX/XX/XXXX NONE OF THESE ACCOUNTS ARE MINE THEY ARE ILLEGAL!!! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX verified yesterday a collection account, XXXX XXXX XXXX, account number XXXX.This account also appears on Transunion and XXXX and has been verified by those two bureaus although they are in reinvestigation at the current moment.This account should not appear at all on my report as I was covered by insurance XXXX Covered California.I previously filed CFPB complaint XXXX against XXXX XXXX XXXX who responded that the original creditor said I was uninsured but they were still investigating and would respond later yet they are still verifying this debt with all 3 credit bureaus as correctly reporting.The following is what occurred : I received a severe XXXX XXXX on XX/XX/XXXX.In order to have the required XXXX I had to apply for and receive and have verified XXXX  coverage.I did so and had the successful XXXX at another hospital other than the original creditor here. The insurer also said that ALL MEDICAL TREATMENT RELATING TO MY XXXX WAS COVERED as was this billing here related to my XXXX XXXX.I would like this error deleted from my credit reports
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Despite the multiple previous written requests, the unverified accounts listed below still remain 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 verified that these accounts are being reported correctly? Who verified these accounts? 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 accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2016-05-18
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

I had automatic payments set up from my checking account for my car leasing with Toyota financial Institution. I changed my car on XXXX XXXX, XXXX payments were pending ( XXXX XXXX and XXXX XXXX ) but as part of the agreement, my old car was paid off. Despite this agreement, and verbal notification with Toyota financial Services XXXX weeks ago, they withdrew {$300.00} from my account yesterday. 
I want my money back. 
This financial institution should be punished.