davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-11
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. (NJ)

I previously disputed the improper reinsertion of a fraudulent account from XXXX  XXXX XXXX on my credit report. This account was reported without my authorization. I filed a police report about this account, and it was removed from my credit report.

However, a few months ago, the account was added back without notifying me, which violates the Fair Credit Reporting Act ( FCRA ) Section 611. Credit bureaus are required to inform me within five days if deleted information is reinserted. Even after updating my consumer report, the fraudulent account is still being reported by Equifax. I received a letter from XXXX confirming they removed the account, but Equifax is still reporting it. This is a violation of FCRA Section 605B, which requires blocking fraudulent information when an identity theft report is filed, and FCRA Section 623 ( a ) ( 5 ), which prevents companies from reporting false information after it has been disputed. Additionally, Equifax 's failure to prevent this issue shows non-compliance with CFPB Regulation V, which requires credit bureaus to make sure information is as accurate as possible and to prevent incorrect information from being added back. Equifaxs actions show a disregard for these laws. For reference, I have attached a copy of the XXXX letter confirming the removal of the account, my police report, and a letter from Equifax confirming the account was removed before
Consumer complaint received 2024-08-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
Consumer complaint received 2024-10-11
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. (FL)

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX # XXXX {$820.00}, XXXX XXXX XXXX # XXXX {$14000.00}, XXXX XXXX XXXX # XXXX {$0.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (AZ)

[ A few moments before the events in this complaint occurred, a person ( s ) purchased a smartphone sim card for an XXXX to operate on the XXXX XXXX telephone service. They fraudulently accessed my XXXX XXXX online account and activated the sim card on the XXXX, thus stealing my phone service on my phone number. This action enabled them to accomplish two-factor authentication in the steps described in this complaint. ] On XX/XX/year> at XXXXXXXX XXXX  Arizona time, the person ( s ) accessed my PayPal account. At XXXX they acquired a XXXX account from PayPal ( card product managed by PayPal 's business partner, XXXXXXXX XXXX ) with a {$1000.00} limit. At XXXX the account was activated on the XXXX of the person ( s ). 

Three charge transactions were made on XX/XX/XXXX : {$85.00} for beauty supplies, {$870.00} for fireworks, and {$32.00} at a gas station/convenience store. On XX/XX/XXXX a charge of {$76.00} was made at a different gas/convenience store. 

The transactions occurred in XXXX XXXX, FL. I spoke with the City Attorney there and a Police representative, XXXX XXXX, and provided information about the incident, the charges, and the merchants involved.
Consumer complaint received 2024-08-08
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: SYNCHRONY FINANCIAL (CA)

XX/XX/year> I received a hard inquiry on the same date from SyncbXXXX. I have no account with them and I have not applied for anything. When I spoke to them on the phone I was told at first they couldnt find any information associated with my ssn and then informed that they couldnt provide me with any information and they couldnt help me.
Consumer complaint received 2024-08-08
Product: Credit 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: WELLS FARGO & COMPANY (FL)

The " company '' is a municipality that I am disputing the {$110.00} charged to the card because I could not obtain the service I paid for while the JUDGE LITERALLY HID THE ORDER [ a TRI-FRICATED dated paper having the dates XX/XX/XXXX, XX/XX/XXXX and e-filed ( published ) XX/XX/XXXX { the delay violated my Civil Rights and MY Appellate Rights and that Judge knew it when he hid the paper! } ], XXXX XXXX Florida, more particularly the XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

I filed the dispute for {$110.00} on or about XXXX, I say on or about because my first telephone contact didn't conclude as if any dispute was going to be accepted ( I hung up on your associate then got an email, is that how you run your bank XXXXXXXX XXXX  mean that little to y'all? ) ) or filed unless I could first give a brief Legal Lesson on how Courts in XXXX are supposed to operate after attempting to file the complaint through Wells Fargo Direct Number { XXXX } to their Dispute Department [ which I again did tonight whereas on Monday XX/XX/XXXX XXXX XXXX ] after getting another email closing the claim for an ill-defined reason, likewise the email of this evening lacks any specify or particularity. 

So when I produce multiple documents a few attested to all filed in the case or the appeal, some from the XXXX XXXX dated XX/XX/XXXX ordering I produce that Order [ line XXXX ] which wasn't published until three days later on the XXXX then no matter how you slice I was denied my Rights in that Court and by Wells Fargo ( off shore ) for providing false information, Stating Wells Fargo has no Fraud Department, Inserting amendments and/or supplemental terms of use and service to the card not included in the card members agreement. Also deciding the dispute prejudicially meaning my dispute is evidenced by a preponderance of evidence, filed in good faith, never actually questioned by WF, I have no history of ever filing a dispute and not prevailing on the facts at that time, WF has no evidence save hearsay to dismiss my dispute. If I am wrong then they should produce that which they rely on that has such weight, immediately.
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (IA)

I have been user of coinbase over 6 years. My account is verified and have 2 XXXX XXXX. Coinbase flagged my account for a manual review with no good reason, my account is unable to buy or sell asset. I have been working with their team and customer support, but they keep saying the same thing, keep me in a loop with no real progress. My case number is XXXX.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, placed an account of my husband 's account on my credit report because he filed for bankruptcy, but I did not. We did not have a joint account at all. I would like to have it removed from my file. 
This has prevented me from making any purchases or loans. Thank You. for your help.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LD Holdings Group, LLC (TX)

I am writing to dispute an account on my credit report that is not reporting accurately. Upon recent review, I noticed that an account from LOANDEPO.CO is incorrectly listed as having a late payment history. In fact, all payments on this account were made on time. 

The consumer reporting agencies are required to report all information with complete accuracy. This account should not reflect any late payments. I have attached a copy of my credit report highlighting the inaccurate information for your reference. 

I request that you investigate this account and correct the payment history to reflect that all payments were made on time. Please update the record immediately. 

Thank you for your understanding and prompt attention to this matter.
Consumer complaint received 2024-08-08
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: eMortgage Funding LLC (NC)

On XX/XX/year> I closed on a mortgage refi loan. After reading everything and the amounts they were trying to charge me I decided to cancel the loan. I had a XXXX day window. I sent them the cancellation notice overnight mail they received on the XXXX and the XXXX. The deed was registered with XXXX XXXX courthouse. They had notice that I did not want the loan but deed it to the courthouse anyway. I am now working with another mortgage company and they need a letter stating that I have been released from this loan. I can not get Mortgage XXXX to send me an easy letter with their letterhead stating that I have Been released from this loan. It is causing problems for me to work with this other company because until they get a letter saying I have been released, they can not help me. The courthouse is showing that I have XXXX mortgages XXXX being Mortgage with a XXXX balance.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

Based on the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am providing the necessary documents : a picture ID, a utility bill, and a letter from an advocacy group assisting me as a victim of XXXX XXXX debt bondage, which is categorised under trafficking as per Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). I kindly request that you remove this information from my credit report within four business days, in accordance with Section 605C of the Fair Credit Reporting Act. I have provided identification and the required documents from the list of acceptable items, of which only two are legally required. Additionally, I have included a victim determination letter as specified in 1022.142 ( b ) ( 6 ).
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Radius Global Solutions LLC (CA)

In the matter of this collection, I see that other company is so persistent to say that there is no error and keeps on putting this collection back onto my credit report now first of all in the case of you know like having a collection through a company or something I dont think that company allows you to get any form of services through their company again until you pay off what you owe now if I owe this company, then I dont think that I would have their service currently up-to-date as we speak today, so how can I have it in collections and then have The same company under a current account that does not make sense and I have done nothing wrong and I just need for this to be dropped off the credit report because it is an error. I dont know the info that you guys may have but its all fraud and all cases and, if I have to get a civil suit to sue a company to prove to them that I am innocent and it isnt good to have a {$1500.00} collection on your report because it holds you back from lots and lots of things dont take it off and then have a other company pick it up again is XXXX and Im upset and Im sorry excuse my XXXX  but Ive had enough of it and Im over it totally so this is my last and final time asking you guys to please remove it or it will be XXXX XXXX XXXX XXXX XXXX and all the other people who say that I am supposed to pay off this debt I cant even get a debt consolidation loan because its saying this XXXX thing you feel what Im saying it is fair and sir or now whoever is seeing This Can you please understand where Im coming from? Thank you and have a good day.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

On XX/XX/XXXX I reached out to XX/XX/XXXX, Equifax, and XX/XX/XXXXupon me noticing the numerous amounts of incorrect information on my credit report. I made them aware that some of the names listed as well as accounts did not belong to me. I submitted proof of identificaton as well as proof of address and still the negative items remain. t
Consumer complaint received 2024-08-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I applied for a Loan Modification with Bank of America. While running my loan for a modification, they also ran it for possible foreclosure. I was given an account manager, whom i kept in touch with. After a lengthy period they denied the modification and demanded $ XXXX to avoid foreclosure, or I could sell. I put the house on the market and provided a ratified contract to Bank of America 18 days later. The Principle Balance was $ XXXX and the sale amount was $ XXXX. Bank of America then told me I only had 10 days to short sell the home, which is impossible! They then foreclosed the home and auctioned it off for $ XXXX. Even the excess from that sale was not given to me. Bank of America acted in a manner that was deceitful. As a result I have lost everything. I believe I am due the amount that I would have profited from the sale. I am considering a lawsuit for $ XXXX plus the legal fees, but I have been unable to find anyone in Md. that can take on such a case. The sale was XX/XX/year>. I am out of time and need help desperately.
Consumer complaint received 2024-10-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be updated.

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

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

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

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

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


Update the late payments from my consumer reports
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (OH)

I disputed a transaction with PNC Bank. The company XXXX is a third party hotel booking service. The motel I was supposed to stay at would not let me stay so XXXX tried to get me my money back. They were not successful in reaching the motel manager. They advised me as well to file a dispute with my bank. XXXX reached out to me on XX/XX/XXXX and told me that it was settled in my favor and I would get {$61.00} back. When I call PNC they tell me that they never received the money and they're still investigating it and they have 90 days. I feel that PNC is doing this to everybody that files a dispute. Normally the disputed company is not so forthcoming with information. In this case they were. I believe PNC is reaping the interest benefits and then waiting till the 90 day Mark and then giving people their money back. They have been nothing but rude to me and just repeating we have 90 days.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never granted the following companies any authorization to access my credit report, and they are in clear violation of this code. As a result, I am requesting the removal of the following account ( s ), as they are causing harm to my reputation, character, creditworthiness, credit standing, and credit capacity. Please note that I am filing a legal identity theft report with the FTC, which I am submitting under penalty of perjury, and I am enclosing it with this letter. Given your legal responsibility to protect my privacy, I expect this issue to be addressed with the highest level of urgency. 

XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-10-01
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. (MD)

filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-10-01
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. (CT)

i reached out to all XXXX bureaus on XX/XX/2024 about inaccuracies and fraudulent information on my credit report that needed to be deleted immediately. it has been XXXX  days!!!!!! i am going to the police to see what i can do about the cfpb and the bureaus not taking the proper action in the amount of time. this is ridiculous. im going to contact national news and make this a headline mark my words. XXXX  days and counting is illegal. do not be surprised when i get a lawyer involved.
Consumer complaint received 2024-10-01
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. (PA)

XXXX XXXX XXXX is reporting inaccuracies on my consumer report a charge off account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should only be reported with 1 accurate date this violates my Fcra rights usc 1681b ( e )