davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-31
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. (NY)

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for XXXX XXXX XXXX have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. 

XXXX # - XXXX # XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (FL)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate.

account - XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

I have disputed this collection agency XXXX XXXX XXXX on my credit bureaus. Im not aware of this company, nor do I have a debt with this company. This company failed to provide a verification letter/contract agreement with my signature that I owe this day. I have sent multiple certified letters in this company failed to provide documentation as requested. Ive also sent the letters to the credit bureaus and dispute it this information and it comes back that this account is accurate and verified with no supporting documentation. The credit bureaus fail to follow the fair credit reporting act and accurately report information on my credit reports.
Consumer complaint received 2024-08-31
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. (CA)

I was a victim of identity theft and I am currently in distress and suffering from anxiety because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft.
Consumer complaint received 2024-08-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.
Consumer complaint received 2024-08-31
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. (KY)

I had insurance with XXXX  several years ago. They raised my rates. I went with cheaper insurance at another company. I asked them to discontinue my insurance at XXXX. Even though they sent notice to discontinue my insurance they still charged me for next month when I had already gotten insurance elsewhere. They refuse to remove negative information and keep changing the date so it will impact my score longer. I sent proof of other insurance at time of incident. I do not owe money to them and did not receive services rendered.
Consumer complaint received 2024-08-31
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. (CA)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-08-31
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)

I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.
Consumer complaint received 2024-09-28
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc. (PA)

Greetings, Mr Cooper does not provide a phone number to communicate with customer service. We received a notice from our local tax authority stating that our local taxes which are typically paid through our escrow account with mr cooper, were not paid in 2022. Since there is no way to connect to mr cooper live personnel I had to search for an email to address this issue. I emailed them requesting confirmation, proof, or a means to assist with this issue. Since this is a time sensitive issue ( we are charged interest on unpaid tax bill ), I needed this to be resolved quickly. My wife sent a follow up email 3 days ago looking for assistance again. 
As of today, Mr cooper has not responded to our email which was sent over 15 days ago. Mr.Cooper is the worst mortgage company weve ever had due to not providing any direct customer service or means of communication when an urgent issue arises. This is unnacceptable in every way.
Consumer complaint received 2024-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC (SD)

I paid off my loan at the closing of my home on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX despite my loan being paid off and having a XXXX balance, XXXX XXXX XXXXLoan Care electronically pulled {$2500.00} out of my account without my permission. 

When I contacted them, I told this was an error as my loan had been paid in full and had a XXXX balance before the money was electronically pulled from my account, which means the taking of that money out of my account was theft. Despite this, the company would not electronically refund my money. Rather, they told me that they would unilaterally grant themselves 15 business days to provide a refund and there was nothing I could do about it. 

Now, XX/XX/year>, more than 15 business days later, I have not received the refund. I have contact their customer service several times and I have been told that they won't do anything as " it is not their policy to electronically refund money '' and I simply have to sit and wait for them to mail me a check, which again still has not arrived as of XX/XX/year>.
Consumer complaint received 2024-09-01
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. (VA)

1. Accounts in Dispute : Account 1 : XXXX XXXX XXXX / XXXX XXXX XXXX account # XXXX Account 2 : XXXX XXXX XXXX XXXX account # XXXX I have reviewed my credit report and identified several errors related to the above accounts. Specifically : Account 1 : [ balance reporting is inaccurate past due date also. ] Account 2 : [ balance reporting is inaccurate past due date also each credit reporting agency has these accounts reporting different an incomplete information ] 3. Legal References : I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681i ( 5 ) ( B ) : This section mandates that if an item of information is disputed, the credit reporting agency must provide the consumer with written notice of the dispute and must also ensure the information is not reported without proper investigation.

15 USC 1681c-2 : This provision stipulates that any information that is not substantiated or verified should be removed from the credit report. It also outlines the requirements for reporting accurate and complete information.

BELOW IS FTC REPORT IF YOU DONT WANT TO BE HELD ACCOUNTABLE FOR EACH VIOLATION THATS XXXX per violation delete accounts
Consumer complaint received 2024-09-01
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. (AL)

In accordance with the Fair Reporting Act, XXXX XXXX XXXX Account # XXXX, has once again violated my rights. I understand according to federal law 15 U. S. code 1681a ( 2 ) ( A1 ), a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment. I also understand that according to federal law 15 U. S. code 1666b ( a ), a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramification of late payments regarding the linked accounts.
Consumer complaint received 2024-09-01
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. (CA)

I am writing to dispute the following information in my credit report file. The documents are attached and the disputed items have been circled. These items are inaccurate or incomplete. Kindly remove or correct the information : XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Equifax is reporting inaccuracies on my credit report regarding XXXX  XXXX XXXX  These inaccuracies are not on my train union nor my experience also, they are clearly violating my laws the the FCRA EQUIFAX is legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure accurate reporting of consumer information. L as the consumer, have informed EQUIFAX that all the inquiries reported were fraudulent. According to the law, once a Federal Trade Commission ( FTC ) fraud report is filed, EQUIFAX is required to remove the disputed items from the report within four days, pending investigation. 

15 U.S. Code 1681b - Permissible purposes of consumer reporis o Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instruclions of the consumer to whom it relates. 
They need your written consent lo add anything to your consumer report if you did not give i violation of the Fair Credit Reporting Act this authorization, AND SPECIFICALLY TOLD THEM THAT THEY DONT HAVE IT, that is a
Consumer complaint received 2024-09-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ) by misrepresenting state statutes of limitations. 

Misrepresentation : Misrepresenting the nature of the debt, including the amount owed Falsely claiming to be an attorney Constantly trying to change their name and so they can put an a ledged old debt on my credit in different ways
Consumer complaint received 2024-09-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OH)

On Friday, XX/XX/year> my fianc and myself went into Chase Bank to cash our paychecks. Since I had an account my transaction wasnt an issue, however my fianc did not so they told him they couldnt do anything unless he wanted to sign over his check to me. His check was in the around the amount of $ XXXX and some odd cents. He signed over the check to me and we were told that the check would be put on hold for 7-10 business days. We said that was fine. The next week, on Friday, XX/XX/year> I received an email and a text telling me that my accounts were going to be closed. We immediately called and were told since they couldnt verify his phone number they were closing my account. We asked what number they called and they gave us a number he didnt recognize, we gave them his current one and they said it doesnt show that it is linked to him and they can not do anything. We went in to the local Chase Bank and were told the same thing. The amount I put in on XX/XX/year> was mailed to me but his check is still being held until they can verify his phone number. We told them this was ridiculous as he had his government ID and social security card with him to verify who he is and that phone numbers arent a good idea at to tell who someone is. It has been almost two months now, we call every week and they tell us the same thing. We even called our phone company to verify his account was in his name, Chase Bank is still not sending us his money.
Consumer complaint received 2024-09-29
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (IN)

Synchrony bank has charged me late fees since having this account open, even when I've paid on-time. 
XXXX - I called and asked to remove the late fee from that billing statement. I also put my account on paperless billing so I wouldn't be charged an additional fee of $ XXXX. They told me they removed the late fee, changed me to paper billing and told me to bring my account to " current '' I would need to pay an additional {$XXXX}. I paid the {$XXXX} that day. 
XXXX approx XXXXXXXX XXXX - I received my bill for the month in the mail, even though I has requested paperless, and noticed I was charged the {$XXXX} paper fee and was also charged {$XXXX} in interest as well as a {$XXXX} late fee. I called - a gentleman named XXXX answered and said he removed the late fee and would put me on paperless. He told me to login in XXXX hours and see what my actual balance due is. 
XXXX approx XXXXXXXX XXXX - I logged in and noticed only the paper billing fee had been removed and not the late fee, so my amount owed still didn't reflect what I was told it would. I opened a chat with a live agent from the bank 's website. She said the late fee wasn't removed and that she couldn't because I'd already had a late fee waived and she couldn't do it again. She told me I would need to call the customer support line and have them help me. Now I have no idea what the actual amount I owe is for the month. 

To note, I had automatic payments coming from my bank XXXX both arriving BEFORE the due date of the total balance from before. This was noted by the company as well so I had " special permission '' to do it this way, which is also ridiculous. However, now, my bill is saying I owe an amount that includes a late fee, which would push me over the total from those XXXX payments. This is a vicious cycle and one I shouldn't even be in given I pay my bill on time, every single month. I have no idea what amount I actually owe without the late fee and nobody can seem to tell me.
Consumer complaint received 2024-09-01
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. (FL)

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.
Consumer complaint received 2024-09-01
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. (NJ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX XXXX XXXX  : XXXX XXXX XXXX : XXXXXXXX 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  : XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : 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 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 2024-09-01
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. (FL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Consumer complaint received 2024-09-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a XXXX  XXXX and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP because its beyond illegal and I have contacted these companies numerous times and legal action will have to be taken. These accounts are fraudulent, illegal, I never ever opened these 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
Consumer complaint received 2024-09-01
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. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.