davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-08-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (CA)

Dear CFPB Customer Service, I hope this message finds you well. I am writing to express my continued frustration regarding the inquiries on Equifax I have disputed multiple times, both by mail and online. Despite my efforts, I have observed that Equifax updates these disputes after just XXXX hours without conducting any proper research, resulting in no changes to my credit report. 

As I have previously indicated, the inquiries in question were made without my permission, and it appears that my personal information XXXX have been compromised. I have formally requested documentation from the respective companies to substantiate these unauthorized inquiries. If they can not provide such proof, I expect that these entries be removed from my credit report immediately. 

Regrettably, Equifax has processed updates to my disputes without any substantive investigation, leading to the same unsatisfactory outcome. This pattern is both concerning and disheartening. I urge Equifax to take this matter seriously and assist me, as well as others facing similar issues, in safeguarding our information against fraudulent and illegal use. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Consumer complaint received 2024-08-21
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. (MO)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"
Consumer complaint received 2024-08-21
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 EQUIFAX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2024-08-22
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 requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-11-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2024-08-21
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)

I am filing this complaint against the credit bureaus for their repeated failure to respond to my dispute letters concerning incorrect information on my credit report. Although I have made several attempts to address this issue through the proper channels, the credit bureaus have not complied with their obligation to acknowledge or investigate my disputes, as required under the Fair Credit Reporting Act ( FCRA ). 

Despite multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action is a clear violation of the FCRA, which requires that credit bureaus investigate disputes and respond within 30 days. 

I request that you update, block, or delete the inaccurate accounts and unauthorized inquiries listed in my credit report.
Consumer complaint received 2024-08-21
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. (AL)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

Hi Dear Coinbase Support Team. 
By mistake i have given the coinbase ETH address during XXXX  XXXX, and i have recieved my XXXX $ CRPT coins in coinbase address  XXXX. 
Please look into the issue ASAP and either transfer the token to my correct MEW ETH address or Send the transaction back to the sender. 
My friend did the same in XXXX and XXXX sent the token back to sender. 
Please do the needfull ASAP. 

Please send the transaction back to my correct ETH adress XXXX or to the sender back. 
your help is highly appreciable.
Consumer complaint received 2024-08-21
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. (GA)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2024-08-21
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. (MS)

I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2017-05-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Bliksum, LLC (CA)

I contacted  Loan  Me, an on-line lean company. In setting up the loan, I was asked to give my router number to my checking account so the loan could be deposited. After that I was told to purchase  XXXX  itunes cards,  XXXX  for  XXXX , the other  XXXX . Then I called the phone number given to me (  XXXX  ) and read the numbers over the phone. I was told at that time that  XXXX  had been put on my credit card. This was to be given back to the loan company via  XXXX . This would show good faith in paying back the loan. I was instructed to go to  XXXX  and purchase the  XXXX  which I did for  XXXX . A check was sent to me for  XXXX  but the bank did n't cash it. Another check came for  XXXX  but was not cashed. A third came that was made out to  XXXX   XXXX  whom I do n't not know. I am contesting that I did n't authorize the money on my credit card and I want  XXXX   XXXX  to put it back in my account. My accounts have been closed and I have received a new bank card, but have not been reimbursed for the  XXXX .
Consumer complaint received 2016-05-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

Unfortunately, about 6 years ago my loan was sold to Ocwen loan servicing. I always pay my mortgage on time and submit required insurance documents. XX/XX/XXXX, I received a letter requesting a copy of my mortgage insurance documents. I submitted this to Ocwen but received a subsequent letter so I called them. They told me they hadnt recieved proof of coverage. I asked Ocwen if any requirements had changed and they said no. This year my homeowners association changed insurance providers so I contacted my HOA to please send Ocwen the proof they were asking for. I went back andforth with Ocwen for a few weeks, when come to find out XX/XX/XXXX they are requesting an interior insurance policy. I only found this out once I got a letter stating they are charging me {$1800.00} for interior insurance!! I purchased a policy in XXXX, although this has never been required before but Ocwen is now refusing to return half of the premium to me since they purchased a policy on my behalf back dated to XX/XX/XXXX, before I even received the first letter. What makes things worse is now they are again sending me letter, saying I need flood insurance. Since my condo has flood insurance I requestedd my HOA send them all the documents and called Ocwen two weeks ago and they told me I was fine that they had my flood policy on file. This past week, XX/XX/XXXX. I received another letter requesting flood insurance. I again called Ocwen, only this time was told that my existing flood policy covered the building but not the interior so I would need to purchase a policy or they would purchase one for me. Ok clearly I see that my mortgage company is running a money making scam here. They are forcing me to purchase high priced policies never before required. Why do I need an interior flood polucy when I already carry XXXX insurance policies on my XXXX bedroom condo, in excess of {$400.00} per month, and I live on the XXXX floor!! When I call to ask them, the first few times they assure me I have proper coverage, then they change the story later only to ensure they can slap me with a backdated policy and scam me for thousands. Please help me!
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (WA)

On XX/XX/XXXX, I initiated an ACH in the amount of {$900.00} to coinbase. Today coinbase withdrew {$3000.00} from my account and attempted 12 ACH request leading to nearly {$500.00} in fees besides the lost money. I contacted coinbase, they can give me no satisfactory answer, say they can not see the transaction on their side and don't know when they can get back to me.
Consumer complaint received 2016-05-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XXXX XXXX, XXXX my application to Bank of America for a mortgage modification was declined on the basis of a fraudulent property appraisal. The false and inflated property valuation resulted in a failed NPV test. 
Even though no house ( of that model ) had ever sold for such amount in the history of the subdivision, the appraiser valued my house at {$700000.00}. I objected, and it was reappraised for {$690000.00}. The values are absurd considering : There are vacant abandoned houses in the next block ; At the time of the appraisal no homes in the subdivision or area had sold in over a year ; On-line services valued the house between {$540000.00} and {$600000.00}. 
When I received a copy of the appraisal, I phoned the appraiser to question the basis for his valuation. I was told that Bank of America was his client and those were his instructions. 
Finally, on XXXX XXXX, XXXX a house in the subdivision finally sold. The exact same house as my house, same model, same builder, same subdivision, XXXX blocks away, sold for {$570000.00} ( see Exhibit A ). 
In XXXX XXXX, upon renewal of the homeowners ' insurance, the insurance company would only insure the house {$530000.00}. They said that it was the maximum that the house could be insured for because that was its replacement value ( Exhibit B ). 

So, if an identical house in the same neighborhood sold for {$570000.00} and the insurance company states that the replacement value of my house is {$530000.00}, how does Bank of America 's appraiser get a valuation of {$690000.00}? 
Bank of America is obliged to follow all rules and guidelines for the servicing of conventional mortgage loans, including, critically, rules relating to the Home Affordable Modification Program ( HAMP ). Bank of America did not follow the rules of HAMP in connection with my account. 
Had Bank of America properly reviewed my application and not applied a fraudulent property valuation when I applied for HAMP in XXXX XXXX, I would have been found eligible for a HAMP modification that would lowered my monthly payments by at least {$1500.00}. 

Instead, Bank of America used a fraudulently inflated property valuation to cause my application to fail the NPV test. Since then I have taken nearly {$40000.00} in credit card cash advances at 24 % interest rates to keep the mortgage current, which has damaged my credit and caused me and my family great anxiety.
Consumer complaint received 2016-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (OH)

I keep getting calls that start at XXXX n do n't stop till XXXX for someone else 's debt for QVC. I 've told them countless times they have the wrong number but they Still call me 10 to 15 times a day 7 days a week even on Sundays!! I 've put their numbers on a block list in my phone but they STILL call with a different number. I have XXXX different numbers for them on my blocked list already. They fill my voicemail box up everyday n I miss Extremely Important voicemails because of them. I 'm sick of it! Please please help me thank u My name is XXXX XXXX my email is XXXXXXXXXXXX
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

Last year, I applied for a credit card from XXXX XXXX and paid the processing fee. However, after several weeks and no card I called the company to tell them I was cancelling and would no longer need the card. At that time I was informed that the card had been used and charges totaling {$270.00} were on the card. I immediately informed the representative that I had never received the card and therefore the charges were n't mine. The representative also informed me that someone had called and reported the card lost from a different number than I was calling from now. I informed her this was my only number. We went through a list of the charges where I again confirmed they did n't belong to me. The representative stated I would receive some paperwork to fill out and return. I never received any such paperwork. I did begin to get collection notices from collection agency regarding this issue. I filed a dispute that came back verified and was horrified because I know I 'm not responsible for these charges. This collection now sits on my credit report showing 120 past due.
Consumer complaint received 2016-05-07
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Apothaker & Associates, PC (PA)

this is an addition to a complaint I filed with you few days ago. Apathaker XXXX ( handling judgements against me ) has offered a written in stone proposal that I pay $ XXXX/mo for 24 months. I am a XXXXyo XXXX veteran on a fixed income and can not possibly meet this arrangement. I have an agreement to satisfy another judgement with the same attorney. I have been paying $ XXXX/mo. I recently learned that in spite of my arrangement this attorney plans to garnish my bank account. How can I honor the agreement if they plan to take my money????