davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX 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 XXXX, XXXX, XXXX, AND XXXX 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. XXXX XXXX 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 2024-01-24
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: ALTERRA GROUP, LLC (FL)

My provider is Panorama Mortgage Group LLC. They have two differnt locations. They switched me internally from one to the other. I have always made my payments on time through the website and have receipts to show it. They claim that the new office doesnt use the same oneline payment site and as such does not show my XX/XX/XXXX payment and my XX/XX/XXXX payment was not applied to my account until XX/XX/XXXX. 

They said they sent notice about the change from one office to the other and when I asked when it was mailed to me they said a notice was sent in XX/XX/XXXX via email and was never mailed. I do not have, nor signed up for paperless commnications and they have confirmed that they did not MAIL this change of service/new payment website to me. 

I have sent them a copy of the XX/XX/XXXX payment and the XX/XX/XXXX payment. They can not promise internal degragatory information will be removed and I have requested for the extra intrest that my account has accured to be removed as well and they said they cant do that.
Consumer complaint received 2021-04-03
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)

I demand the deletion of the fraudulent accounts listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/2018.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (FL)

I use a Chase credit card, every month I call in to make a payment. After making the payment I remove my payment information from the account. Three times they have failed to remove my banking information after stating they have done so. 

The last request was on XX/XX/2018 in which they sent a letter stating the information had been removed. 

On XX/XX/XXXX I made another payment to my Chase credit card in which the information remained on file and the account information ( last four digits of my credit card number ) was provided to me by a Chase agent that was not located within the United States. 

I requested a manager, was transferred. I reported the regulatory error to the manger. They apologized for the mistake, refused to give me information to contact any government regulatory bodies that credit card companies report to. Refused to take note of this information to report it up the chain to provide me the information. Instead the manager was only willing to give me the address for an internal Chase complaints department.
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NY)

The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.
Consumer complaint received 2024-11-01
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. (GA)

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 BALANCE {$1100.00} 15 U.S.C 1681 section 602 A. States I have 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 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have learned that my credit report contains some incorrect information. I am requesting that the three bureaus remove this incorrect information. Such misinformation damages my credibility. If the three bureaus do not take action, I am prepared to file a case against them
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2022-04-05
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Americas Car-Mart, Inc. (GA)

Did not no for 2014 XXXX was XXXX XXXX he told us something different and they would let me go by social security income and the car is XXXX holder name which he it was too high for me they is some rude people and cut the car off if u one day late thats wrong when I told them I get a check on the first of the months.so I would love that to go off my credit. In the XXXX XXXX  was that came from car mart was a lemonade and that the man name XXXX work down there told me he just want use my income for the person that got. Car and he stilll add my name to car when u told him not they rude also lady. Name XXXX and I be call heads company and told them what boy did they my names didnt post go on the car period so he ack did some fraud stuff that was wrong and I told the lady can she please take off that car car/mart in XXXX Ms
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX ), has violated my rights.

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.
Consumer complaint received 2021-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (CA)

In XX/XX/2020, I disputed some inaccurate late payments with FedLoan through XXXX, XXXX and XXXX. The discrepancies were corrected. After the disputes were handled, these accounts are being reported to the credit bureaus with " dispute remarks ''. I have contacted FedLoan directly and asked them to remove the remarks since the dispute has been resolved. FedLoan responded that there were no accounts under dispute. The next reporting period, they were still there. I then contacted the XXXX credit bureaus. XXXX removed immediately and they have never showed back up. XXXX and XXXX removed immediately but the remarks returned shortly after during the next reporting period. I then contacted XXXX and XXXX again the following month, with same results. I need to have these remarks PERMANENTLY removed in order to purchase our first home. This is the only obstacle standing in the way please help!
Consumer complaint received 2019-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (WA)

My credit is showing a Chase Card Credit Card with a Current Status and Balance of {$0.00}. The Amount Past Due is {$0.00}. It's a Revolving Account Type. It says Remarks None. It was opened XX/XX/XXXX and reported XX/XX/XXXX. I got the credit report from XXXX and the credit report is from XXXX.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CarMax, Inc. (MD)

CarMax is inaccurately reporting late payments on my personal credit report. I am requesting removal of all late payments reported starting from XX/XX/XXXX and ending on XX/XX/XXXX, in accordance with applicable laws and regulations. These false claims have had a significant impact on my creditworthiness and have caused me undue financial hardship and emotional distress. I highly recommend that you generate verification that the Credit Bureaus have been reporting accurately in accordance with the Fair Credit Reporting Act regulations. I am also requesting documentation proving the validity of the late payments reported by CarMax. At this time you are in violation of 15 USC 1666b. I was never 30 days/60 days/120 days late on any of my payments. I would also like to bring to your attention an important matter regarding our original agreement. The arbitration clause within our agreement outlines a mechanism for dispute resolution that we have both agreed upon. I would also like to pursue a refund for my original down payment of {$2000.00} paid to CarMax Inc. due to fraud pursuant to 15 USC 1635 and 15 USC 1662. I am requesting investigation as soon as possible and confirmation of the resolution. Thank you.
Consumer complaint received 2024-01-25
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (GA)

I did a balance transfer and no fee or no interest for a year and a half balance transfer. However, it is a credit card I used a credit card six more times to purchase incidentals now according to the customer service I must pay interest on everything I have accumulated probably {$43.00} in fees in the last XXXX months or interest, even though I paid my incidental charges off plus additional money to lower the balance
Consumer complaint received 2024-01-24
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC (AL)

After we sent in the XXXX packet, instead of getting assistance with our mortgage payments, we were told our mortgage payments would increase due to escrow going up. I asked for information as to how that's possible when our payments should decrease due to being tax exempt. Planet Home Lending has done nothing to help us fix the issue that they created in the first place. We sent them everything they requested and instead of helping us, they denied our application. We did everything they asked of us and they increase our payment, charging us late fees, and have yet to tell us why. There are numerous complaints about this company on the XXXX  website and they continue to ignore the consumer, interrupt when the consumer is trying to give information, fails to communicate with other departments, do not return phone calls to consumers, and lie. We were told we would have only one point of contact but when requesting that person they aren't available and we are forced to speak with someone who has no clue about our account, refuses to read comments, and sends the call to a csr that tells me I need to talk to the department that transfered me. Please, someone please, take any accounts that are government backed mortgages away from this servicer. Please do not allow them to purchase any loans and please make them stop the way they do business. They need to be looked into for violations of the Fair Dept Collections Act.
Consumer complaint received 2022-04-05
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: EQUIFAX, INC. (AR)

This company is in violation!! I asked for information and was supposed to receive the information in 15 days and didn't receive it. 
Notice, it is a fact, affiant is aware, in accordance with 15 U.S. Code 1681i ( 7 ) I, the consumer and affiant have the right to know the description of the method used to verify the information furnished on my consumer report within 15 days of the request. I demand to know the method used to verify this information. If a description of the method used to verify this information can not be provided, information associated with the accounts listed below must be removed. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2024-11-01
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. (MN)

XXXX XXXX XXXX XXXX XXXX ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXXXXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-01-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OH)

Navient currently holds my student loans, but that was not always the case. Prior to them obtaining the loan, and beginning in XXXX, XXXX, I was paying another company. That continued until I went into XXXX in XXXX. I was in XXXX from XXXX, XXXX XXXX XXXX. However, Navient has no record of any payments made prior to XX/XX/XXXX. However, I made payments on the interest for the XXXX and I made monthly payments on the loan from XXXX, XXXX until XXXX, XXXX. These payments are evidenced in my tax returns, whereby I deducted for XXXX loan interest payments. Further, in XXXX and XXXX, I took out loans on my homes. This would not have been possible had I not been paying on my XXXX  loans during the time they indicate. 

I contacted Navient and requested the records but have hear nothing back. Even with the XXXX, my payments should have ended, and the loans paid in full, on XX/XX/XXXX. This is based on the loans beginning XXXX, XXXX for the amount of {$26000.00} at an interest rate of XXXX % and monthly payment of {$180.00}, with a two year XXXX. 

Further, Navient has continued to deduct payments since that date through XX/XX/XXXX. Navient owes me {$1400.00} in overpayments I made.
Consumer complaint received 2022-03-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/2020 I purchased a vehicle from XXXX XXXX XXXX. I had a pre-qualified offer from XXXX XXXX XXXX. Instead of using XXXX XXXX for my creditor XXXX XXXX  XXXX pulled my credit report with different companies, which made my credit score drop very quickly. They did not inform me that they were making all those inquiries on my credit. They matched me with Wells Fargo. I believe I am the victim of predatory lending and would like to file a complaint against XXXXXXXX XXXX XXXXXXXX and Well Fargo. They took advantage of me because of my age.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

After receiving a copy of my credit report, I noticed a number of inquiries and accounts not belonging to me and were not authorized by me. I've repeatedly tried to address this problem with the companies and the credit reporting agencies but to no avail. 

Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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