davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
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 Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report. 

Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the account XXXX with XXXX XXXX Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

TILA Violations The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness and negatively impacted my credit score, violating these provisions.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The late payment reporting errors in my case suggest that this obligation was not met. 
New Evidence of Error Equifax : The account inaccurately reports a 30-day late payment in XX/XX/XXXX and a 60-day late payment in XX/XX/XXXX, even though all payments were made on time. 
Pattern of Inaccuracies The continued reporting of late payments across XXXX, XXXX, and Equifax shows a persistent pattern of errors. These late payments have been inaccu

rately reported despite my account being on autopay and having no missed payments. Request for Immediate Correction I am formally requesting that the inaccurate late payment notations be removed from my credit report immediately. The entries must be updated to reflect my true payment history, which is 100 % on tim
e. Should this issue remain unresolved, I will escalate my complaint further, including pursuing legal action and filing additional complaints with relevant regulatory agencies to protect my consumer rights. 
Thank you for your immediate attention to this matter. I look forward to receiving written confirmation of the removal of these inaccurate entries within 30 days. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-25
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)

I discovered unauthorized inquiries on my credit report this morning, and Im baffled as to why theyre there. I routinely check my report, but this time, there are discrepancies that appeared out of nowhere. I refreshed my browser thinking it might be a temporary glitch, but the unauthorized inquiries remained. I need the documents I've submitted to be reviewed thoroughly so I can stop worrying about this situation.
Consumer complaint received 2023-07-31
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report 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 2023-07-31
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: Experian Information Solutions Inc. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX  XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XX/XX/XXXX.
Consumer complaint received 2024-10-08
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. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-06-12
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. (TX)

Please remove the information listed on my identity theft affidavit and this affidavit of facts. As these accounts appear to be a part of one of the several data breaches that I have been included in. Also, please read over the violations that have occurred as by product of you placing adverse information on my profile without my consent. 

Please see the attach FTC Fraud Affidavit Letter.

Please note that I have address all credit reporting agency involved in one letter. Please read it and go to the section that has the name of your perspective company and delete what is listed. 

Please see my identification listed inside of the letter.
Consumer complaint received 2024-10-25
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)

This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Outstanding Compliance Issues :
Consumer complaint received 2019-01-23
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION (MD)

I have a dispute with an account with Compass Bank with a merchant who refused to cancel a transaction and shipped the item ignoring my cancelation request. Today I received an email I believe violates my rights to service with the company for services I am entitled to as an account holder. Compass Bank states that because of disputes all of which are valid I run the risk of account closure which makes no sense. I have never read of being threatened with account closure for services included as an account holder.

The merchant taunted me throughout our communications and the package had been refused and forwarded back to the senders.

Order time & date : XXXX XX/XX/2018 Amount of {$46.00} The transaction was unauthorized when I initiated the cancelation!
Consumer complaint received 2019-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lending Club Corp (TX)

XXXX XXXX has previously been informed that my company does not allow personal calls during work hours, XXXX XXXX continues to call my place of employment. This last time the agent hung up without identifying the company she was calling from. The agent then claimed that the work phone number was the only contact information she had for me, which is false. This harassment at my place of employment needs to stop. This call was received at approximately XXXX pm central time on XX/XX/2019.
Consumer complaint received 2022-11-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

On XX/XX/2022, I contacted Midland Credit Management requesting for them to validate a debt that they are saying I owe them. I requested for them to provide me a copy of the original contract between the original creditor and myself and also to provide me with a copy of the purchase agreement between them and who they say the original creditor is. As of date they have not provided me with this information they keep sending me letters/statements saying that I owe {$2000.00}, that however does not prove to me that I owe this company whom I've never done any business with any money, but they are still reporting on my credit bureau even though they have not been able to proof that I owe them any money or that they have legal rights to collect any monies from me. Your assistance in this matter is greatly appreciated. Thank you!
Consumer complaint received 2023-07-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent and incorrect accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-06-13
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Green & Sons Agency, Inc. (NV)

around XXXX I had a bank account with XXXX  XXXX XXXX  XXXX ACCT : XXXX ) which my card was used and over {$500.00} was spent without my authorization while I was sleeping in my bed around late 2018. My bank card was used with me being present and the it showed as a pending transaction is what I awoke to notifications on my phone. I called and reported it to customer service, and they found I was a victim of identity theft and returned my money. I withdrew my funds and closed the account the same month. XXXX  XXXX XXXX  did not close my account and allowed my account to accumulate excess fees which overdrawn the account after i called to close it months before being that I was an identity theft victim and never used my card but to withdraw from the banks atm only. I suspect someone working inside the bank 's branch was stealing customers account, bank card and personal information this is why I closed my account now I have a collection and ChemSystems for {$250.00} from XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, UT XXXX.
Consumer complaint received 2019-06-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (AZ)

My loan servicing company was XXXX but apparently they are being sued and sent me over to a new servicing company ; Loan Care XXXX. I always pay online so when I received my first bill from the new company I tried to use their website. It was not set up yet so I went to my personal checking Account and paid thru bill pay. The money was sent to the wrong po box but the same company and city, City of XXXX, CA. 
When I found out it was the wrong company I contact the phone number ( XXXX ) of the company provided by my bank. They said that the other loan servicing company would know what to do and to contact them to get my money transferred over. 
When I call the correct loan servicing company they acted like they did not know the other loan servicing company existed and did not know what to do. I kept pressing them and they sent me to a department that told me to send my proof of payment that I made and I would receive a confirmation that they received my request and it would take 7 to 10 days. That was XX/XX/2019. I call today XX/XX/2019 to see how it was coming along and if they had my money. The woman looked it up and said, " OK, We are processing your request and it will take 7 days ''. This woman said that I should have called back after I sent the request in. I was not told that. I was told that I would receive a acknowledgement that they received my request and it would be processed in 7 to 10 days. The acknowledgement email said nothing about calling to activate my request. I feel like I am being jerked around. 
Now on the message that I listen to on the phone when I call them the recorded message says to make sure that the money is sent to the correct address so they must be having this same problem with other mortgagees. 
I need to get my money back from the other company and so I can send it to the correct company.
Consumer complaint received 2019-12-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TN)

I have had a collection placed on my credit report that I have never been contacted about and have no knowledge of. I've requested written proof of the debt and have received nothing or any explanation of how any debt was incurred. I've disputed with credit bureaus one of which has already removed. XXXX   however has not removed the false information with no reasonable explanation. details include : COMMONWEALTH FINANCIAL SYSTEMS XXXX Account Number Collection Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1200.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1200.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount Contact Info ( XXXX ) XXXX XXXX XXXX, XXXX XXXX, PA XXXX They are required by law to provide written proof of said debt. They won't provide any information and simply ask for money that I do not owe.. This account is stated to be from emergency room doctors I HAVE NOT BEEN IN AN EMERGENCY ROOM IN MORE THAN 10 YEARS!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Consumer complaint received 2024-11-11
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (SC)

Ask why Im getting charge so much for overdraft and someone offer me a checking account and I was told everytime I take money out at a different atm they will automatically put money back inside for using a different atm but they was a lie
Consumer complaint received 2019-06-10
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. (GA)

A collection was added to all three of my credit files through XXXX, XXXX and XXXX XXXX for over {$7100.00}. This was supposedly for an eviction on a lease through " XXXX XXXX XXXX XXXX '' in XX/XX/2018. This lease was in XXXX XXXX, California. I live in XXXX, Ga. 

I have been a victim of identity theft in the past. I advised the collector at the law firm of this. She said that the social security number on the application was not my social security number. But then proceeded to suggest it was my responsibility to prove that I was not the person filling out this application. Since when did the responsibility for assuring proper identification on an application filled out fraudulently fall back on me? 

She said that a judgement had been filed against me in XXXX XXXX California and that I must pay this debt. There is no record of a judgement for this item in that county. So that is a violation of the Fair Debt Collection Practices Act. ( In addition to the violation and willful negligence regarding the Fair Credit Reporting Act ). 

I am not flying to southern California ... or Oregon for the next instance..or XXXX for the third instance of fraud against me and filling out local police reports. The leasing company was required to obtain proper identification before completing their lease and did not. 

I want this item removed from my file and I want the CFPB to publish this event so that other victims of ID Theft are not badgered and threatened into bankrupting themselves trying to fix errors that lenders create for themselves.
Consumer complaint received 2023-06-13
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. (SC)

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 XXXX XXXX XXXX. 


XXXX XXXX XXXX : # 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, has violated my rights. 

XXXX5 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 2019-12-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (PA)

I filed for bankruptcy on XX/XX/XXXX and was discharged on XX/XX/XXXX. I have attempted to call and dispute with experian on multiple occassions with no response from them. On my report I have 2 bankruptcies that are shown on experian which are the same bankruptcy. They have the petition for bankruptcy on XX/XX/XXXX and also have the bankruptcy for XX/XX/XXXX. The reference number is XXXX and XXXX cmb. I have explained to the company multiple times that these 2 bankruptcies that they have reported are indeed the same. It is affecting my report with this company because it shows that I have 2 bankruptcies when it should only show 1. Any help at this point would be appreciated.
Consumer complaint received 2019-12-02
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: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

XX/XX/2019 I filed a disputed with XXXX  regarding 2 fraudulent collection accounts on my credit report, 1 with Portfolio Recovery and the other with XXXX. I called to check on the status of the report on XX/XX/XXXX and was told the items were still under investigation. I called to check on the status again XX/XX/2019 and was told both items came back verified on XX/XX/XXXX. Magically and investigation had been completed prior to calling but I was told it was still in investigation on XX/XX/XXXX. I asked for an independent investigation showing how the item was verified XX/XX/2019 asking to speak with several supervisors and they ALL said " we don't conduct independent investigations. '' I informed them it is FEDERAL law and they stated they only follow company policy. I again informed them that was illegal as they furnish data and that can be considered defamation and under 609 federal law if the item can't be verified with physical documentation ( i.e. A contract XXXX it must be removed. They proceeded to say " take legal action if you want to. '' These accounts need to be removed immediately!
Consumer complaint received 2024-11-27
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: CITIBANK, N.A. (NV)

I strongly dispute the validity of this account as reported. The balance and charge-off details are incorrect, and the account has already been resolved. I demand that you investigate this issue promptly and remove this incorrect and misleading information from my credit report to reflect the true status of the account.
Consumer complaint received 2019-01-23
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: WELLS FARGO & COMPANY (MO)

Long story short, account was not authorized after initial purchase, I closed account on two different occasions in which first occasion was not closed back in XX/XX/2016, where my brother charged on card again, I have never received a statement or phone call from Wells Fargo in which they stated to me that they can only send bill to one person and have one address on file.. I made sure tha after second purchase card was closed and I made them send me proof this time.. my brother recently filed bankruptcy that I didnt know about til my credit score dropped over 100 points.. I have tried to file two separate disputes with them and they have never gotten back with me and all I see is they put in my credit report that it is resolved and I disagree.. I have to have some rights here, I have even told them I would pay it and they said it didnt matter it would still stay in my credit as a paid collection ... I pay my bills and stand behind all purchases even tho this balance shouldnt be allowed because the account was closed before he charged on it again.. I want this off my credit report, on my report is is showing up under XXXX XXXX XXXX.. Wells Fargo has to have  certain policies in place and they need to return phone calls, horrible company and should be shut down.. this file has been transferred to three different executive office members of Wells Fargo and I havent got one phone call..