davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

**Consumer Complaint : Request for Correction of Inaccurate Information on Credit Report** XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Dear Equifax, I am writing to bring to your attention some inaccuracies in my consumer reports relating to late payment entries. I have carefully reviewed my report and found entries indicating late payments for an account with [ XXXX ] ( Account Number : XXXX ) for which I have maintained timely payments. 

As outlined by the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy of the information they report. I kindly request a detailed investigation into these discrepancies, and I would appreciate verifiable evidence, such as account statements, substantiating any late payments. 

If such evidence can not be provided, I request that my record be updated promptly to accurately reflect my consistent payment history, as stipulated in FCRA Section 611.

Furthermore, I would like to remind you that according to the standard timeframe provided by the FCRA, there are only four days remaining to complete the investigation from the date of my initial inquiry. I trust you will adhere to this timeline and keep me informed about the progress and eventual updates to my report.
Consumer complaint received 2024-01-21
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (TX)

I just getting emails that I have opened account with a company called " Chime '' I didn't even heard about it before this emails. I got like direct deposit form in my name. I called that company but I felt was no safe to share my personal information with them. I only provided the account number. They said they couldn't do nothing about it? .I was doing my research before submitting this looks like this " company " is doing this or at least doesn't verify who is opening accounts.
Consumer complaint received 2024-12-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (IL)

Dear Sir/Madam, I am writing to file a formal complaint regarding a debt that I believe to be incorrect or inaccurate. I am requesting the Consumer Financial Protection Bureaus assistance in investigating this matter. 
Details of the Disputed Debt : Creditor Name : Harris & Harris XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I have reviewed my credit report and noticed a debt listed under Harris & Harris which I believe to be inaccurate, unjust, and never existed. I have attempted to resolve the issue directly with the creditor, but the matter remains unresolved. Specifically, I am disputing the following issues : 1. [ Inaccuracy/Issue # 1 ] : The debt never existed.

2. [ Inaccuracy/Issue # 2 ] : Comcast claimed that I agreed to a contract, after being with them for 4 years. We received a new modem because they stated the one, we had was outdated. After such things, the internet still didnt work, and we proceeded to close the account. Thats when we were told that we were in a contract. This never happened. The lady who set us up on the new modem, unknowingly, added us to a contract, without our approval. 
Despite my efforts to resolve this, the creditor has failed to provide sufficient documentation or evidence to validate the debt or correct the reported information. As a result, the debt is still being reported as valid and continues to impact my credit score.

Request for CFPB Action : Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and seek corrections. As a consumer, I also have the right to request documentation or proof of any debt being reported. The creditor has not provided sufficient documentation to substantiate the debt in question. 
Therefore, I am requesting that the Consumer Financial Protection Bureau intervene and assist in resolving this matter by : 1. Investigating the creditors reporting and collection practices.

2. Ensuring the creditor provides sufficient documentation to validate the debt, as required by law.

3. Taking appropriate action to ensure that my credit report is updated if the debt is found to be inaccurate or improperly reported. 
Documents Enclosed : A copy of my credit report showing the disputed debt. 
Any correspondence with the creditor ( if applicable ). 
Documentation proving my claim ( if applicable ). 
I trust that the CFPB will take appropriate action to resolve this issue. Please keep me informed of any updates regarding this matter, and feel free to contact me at [ phone number ] or via email at [ email address ]. 
Thank you for your attention to this complaint. I look forward to your prompt assistance in resolving this issue.
Consumer complaint received 2024-10-23
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. (FL)

XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX Personal Information for Equifax NAME : XXXX XXXX XXXX XXXX Can you please delete any records in your system where my name is not exactly XXXX XXXX? 
This will ensure that the database has accurate information about me. 
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. If you have any address listed in your system that do not match my address as its listed here, please delete them immediately so you can make sure the database has accurate information about me.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

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 2021-06-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HOPE BANCORP, INC. (CA)

In reference to CFPB complaint XXXX I had filed an initial complaint about Bank of Hope. The issue, though they claimed it has been rectified, has not. I'm feeling pretty hopeless at this point. 

They are now harassing me and my ex-husband, who has no knowledge of the issue because I legally own the house, and threatening to send my account to collections even though my case is being handled by a man presumably employed by them. His name is XXXX XXXX. 

They need to get their BIG BANK PANTS on and use their fancy programs and plug in the CORRECT NUMBERS and fix this problem. THIS IS AS SIMPLE AS IT GETS. 

We are past ONE FULL YEAR of this same issue. I am EXHAUSTED by the INCOMPETENCE.

My credit rating is XXXX. I have never missed a payment for any bill in my entire life. I am XXXX. Do I need to hire a lawyer? 

Please see attached document.
Consumer complaint received 2024-10-23
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. (HI)

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 2024-01-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (FL)

Hello. I recently suffered through a tragic act of nature that forced me out of my home and into a new home where the rent was significantly more. I took out a loan through Lendumo not reading the fine print out of desperation and expecting to be able to pay off the loan relatively quickly. Circumstances beyond my control have prevented me from being able to pay off this loan and I am realizing the extreme predatory nature of this company. I have paid more than double what I was lent and none of it has been applied towards my principal balance. This company has deducted a weekly amount of {$75.00} from my bank account and is uncooperative towards my plight. They have even deviced a strategy that has made it impossible for my bank to stop the payments so I could come to a reasonable settlement agreement with them outside of the gargantuan interest they are blatantly stealing from me weekly. I need help please. I am willing to make a reasonable agreement but what they are doing should not be legal and I am at a loss over how they could possibly be allowed to do this to a hard working XXXX such as myself. Please help.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Equifax I am writing to dispute the inaccurate and outdated reporting of the account listed under XXXX XXXX XXXX, Account Number # XXXX on my credit report. This account has been reported beyond the legally allowed time frame, which violates the Fair Credit Reporting Act FCRA Section 605 ( a ) : Limits the reporting of negative information to seven years from the date of first delinquency. The account in question has exceeded this period and should have been removed.
Consumer complaint received 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

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 2024-10-23
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. (AR)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Consumer complaint received 2024-10-23
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: EQUIFAX, INC. (NV)

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 2024-10-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OR)

I was trying to purchase a vehicle on XX/XX/year> and when they pulled my credit, my credit score dropped XXXX points since the last time I checked. I found on there an account " XXXX '' that I have never opened.
Consumer complaint received 2021-06-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Consumer complaint received 2021-06-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (WY)

Letter submitted to Barclays : To : Barclays Card RE : Case ID : XXXX Unauthorized charge of {$110.00} from XXXX XXXX charged on XXXX to my card ending in XXXX. 

Dear Sir or Madam : I promptly submitted a dispute on Barclays website to this unauthorized charge. I received a letter dated XXXX XX/XX/2021 from Barclays telling me they could not pursue the dispute because they had not received from me documentsallowing us to pursue credit from the merchant.

I called Barclays customer service number given in the same letter to inquire as to what documents they needed. I did not receive answer that made any sense whatsoever. To be frank, it seems that this request for documents is simply a way for Barclays to shirk its responsibilities under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act, which protect consumers from unauthorized transactions. Whats more, the documents requested are seeking a paper trail of something that does not exist, since there was no authorization for this charge. I have spent an unimaginable amount of time on the phone trying to get this resolved, with no success, and the complete unavailability of billing specialist or supervisor at Barclays.

Although I have tried to contact the Merchant, they are unresponsive and require that I set up a new account with them in order to have any contact with them. There is no phone number for the merchant at allno mailing addressand no way to contact customer service. Spend some time on the XXXX website and you will see what I mean. 
Please help me help Barclays to meet their obligations under Federal Consumer protection laws by covering this unauthorized charge without further action. 
Respectfully, XXXXX Cc : Consumer Financial Protection Bureau. XXXX XXXX  XXXX XXXX, Washington, DC XXXX
Consumer complaint received 2024-01-19
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Bread Financial Holdings, Inc. (VA)

Comenity Bank has continued to contact me after I told 2 representatives that I obtained an attorney for Bankruptcy. I provided the name of the attorney and where the attorney was located. The 2nd representative even laughed at me during the call. They continue to call me in a manner that violates the FDCPA. I have screen shots of back to back phone calls. I also have saved voice-mails of where they have duplicated leaving voice-mails on the same phone number more than once a day which is also a violation of the FDCPA. All of these issues above are clear violations and they should be notified of such. I did not dodge them, I told them I was filing bankruptcy and the attorney information I had at the time. I have stopped answering there calls because at this moment there is nothing else to say. The first call I informed them of the BK filing was on a call where they called me at work and I also requested they no longer called my workplace which as of now they have not. I decided to go ahead and file this complaint because today from XXXX to XXXX I have received 4 phone calls from them all from the same number. They left one voice-mail today so far but I have two voice-mail messages from them on XX/XX/16 and have saved them from past days where they were again duplicated. They need to stop and contact my attorney as all regulations tell them to do in the first place. I am one of thousands if not millions of customers they have so how many people are they doing this to every day?
Consumer complaint received 2020-03-31
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I filed a complaint to cfpb on XX/XX/2019, compliant # XXXX the companys response was that, was they would forward my complaint and concerns to the approprate agency, and follow up, im STILL WAITING over a year later. To Summarize equifax is reporting information on my credit report, with their claims of validation from XXXX XXXX. I have a letter from the court stating they did not pprovide this information, furthermore, there is a freeze on my XXXX XXXX, so as the cunsumer, i derserve to know HOW WAS THIS VALIDATED, the companys response is unacceptable and unsatisfactory and this case not be closed, not to mention the TIME FACTOR, they havent responded OVER A YEAR!!!! I will make careful notes of all this, so i can take further action, please delete this information from my report
Consumer complaint received 2024-10-23
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. (TN)

I am writing to dispute the accuracy of a charge-off listed on my credit report under the account. I have received a 1099-C form for this account, indicating that the debt was canceled. According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.

I request that you conduct a reinvestigation of this matter under FCRA 611 ( a ) ( 1 ) ( A ) and remove the charge-off from my credit report. If the information can not be verified, it must be deleted from my credit file according to FCRA 611 ( a ) ( 5 ) ( A ).

Please provide me with written confirmation that this item has been corrected and removed. If you are unable to verify the accuracy of this information, it must be deleted from my credit report as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response. 
XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Updated Last Payment Date Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Your Statement : Credit card XX/XX/XXXX Closed Account charged off. {$140.00} written off. {$140.00} past due as of XX/XX/XXXX. 
XXXX XXXX 72 % {$140.00} XX/XX/XXXX XX/XX/XXXX {$200.00} {$140.00} {$340.00} - Individual
Consumer complaint received 2024-01-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

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 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MO)

On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AZ)

After reviewing my credit report, I spotted some inaccurate late payment accounts that need reporting and correction through your company. 

I attached on this complaint the PDF copy of the dispute letters I sent to the involved Bureaus. I also sent them my personal documents.