davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

To Whom It May Concern, I am filing this formal complaint as a victim of identity theft, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Enclosed are copies of my police report/identity theft report, my driver 's license, and proof of my current address as verification of my identity.

I recently obtained a copy of my credit file and identified information that does not correspond to any transactions I have made. I am requesting the immediate removal and permanent blocking of the following fraudulent accounts from my credit file. Under FCRA Sections 605B, 615 ( f ), and 623 ( a ) ( 6 ), I am entitled to have fraudulent information resulting from identity theft removed, and I expect this to be done within 4 days of receipt of this correspondence. 

This is not a routine dispute ; I have also filed a complaint with the Federal Trade Commission ( FTC ) documenting my case of identity theft. The following fraudulent accounts must be removed from my credit report : Identity Theft XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX XXXX Account Number : XXXX Identity Theft XXXX XXXX Account Number XXXX XXXX Please ensure that these accounts are promptly removed from my credit file as required by law. 

Thank you for your immediate attention to this matter. 

Kind regards, XXXX XXXX Enclosures : Police Report/Identity Theft Report, Proof of Identity ( Drivers License ), Proof of Address, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )
Consumer complaint received 2023-08-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (CA)

I received an alert that a collection was opened on my XXXX report- Between XXXX XXXX, XXXX  and XX/XX/, a new account in collections was added to your report. The collection agency is CREDIT MANAGEMENT LP. The original creditor was XXXX XXXX XXXX. 

I do not know Credit Management LP or XXXX XXXX XXXX and do not owe them any money. As a result of this false collection against me, my credit score has dropped XXXX points. 

From my research Credit Management LP is a known scam organization.
Consumer complaint received 2024-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A. (CA)

My identity was compromise since XXXX I was out of the country for five years upon my return. I find out all my identity was compromised. Multiple account was opened under my name on my credit report. I reported this matter to the law-enforcement agency I received the report from the police department. I also submit a complaint to XXXX FBI I was advised by the quality report advisor from XXXX to generate and submit my report through FTC. Your time is highly appreciated. Please help me with my concern. My credit is all I have. Thank you for your time.
Consumer complaint received 2024-10-06
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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.
Consumer complaint received 2023-10-29
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: Experian Information Solutions Inc. (TX)

Ive been contacting all 3 credit bureaus for a while now and information such as accounts that were closed in XXXX are reporting as negative non payments on my credit even though the accounts are closed. 

Experian in particularly reports XXXX different accounts on my credit that does not appear on the other two credit bureaus which would be inaccurate information! 

On XXXX XXXX I wrote all XXXX companies requesting this information be removed, and If they could provide me proof of ownership for the accounts and I have not heard one single word from either company!
Consumer complaint received 2024-10-06
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)

Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX, Equifax XXXX XXXX XXXX : XX/XX/XXXX URGENT MATTER I intend to challenge a dispute with an FTC report for the items listed below as Fraudulent. Please remove all from my credit report. 
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. 
Items listed above have 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 XXXX : 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 XXXX years. 
15 U.S.C. 1681s-2 ( AN ( 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. 
Remove Following Non-Mailing Addresses listed that doesnt belongs to me : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Remove Fraudulent Account listed : XXXX XXXX ( XXXX ) Opened : XX/XX/XXXX, Balance : {$2700.00}, Payment status : Collection Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX FCRA XXXX Statement : If the above accounts can not be verified, they must be removed immediately according to FCRA XXXX XXXX XXXX XXXX. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within XXXX  days of receipt of this certified letter may result in a small claims action against your company.
Consumer complaint received 2023-11-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

on XX/XX/2023 I sent transunion a letter in regards to a XXXX  XXXX  they deemed to be verified. i asked for the written XXXX  with my signature to be provided and i have yet to hear back from this company with any regards to my letter that was sent to them.
Consumer complaint received 2024-10-06
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)

Subject : Formal Complaint Regarding Credit Reporting Dispute Handling by Equifax Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax for their handling of my recent credit report dispute. After discovering inaccuracies regarding my XXXX XXXX XXXX XXXXXXXX account payment history on my Equifax credit report, I filed a dispute directly with Equifax on [ Date of Initial Dispute ]. Despite providing clear evidence that the payment statuses for XXXX through XX/XX/year> were reported incorrectly, my dispute has not been resolved satisfactorily. 

Identifying Information : Name : XXXX XXXX Disputed Account Information : Creditor Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Details of the Issue : The discrepancies relate to incorrect late payment entries listed for the months of XXXX through XX/XX/year>. Despite my providing sufficient documentary evidence such as bank statements and correspondence with the creditor that prove payments were made on time, the inaccuracies remain on my credit report. This issue has caused significant harm, including potential impacts on my ability to obtain credit under favorable terms. 

I requested that Equifax investigate these inaccuracies, correct my credit report, and provide me with a revised copy of my credit report. However, the response from Equifax did not address the inaccuracies as the erroneous information remains on my report. 

Attached are copies of all correspondence with Equifax, proof of timely payments, and any other relevant documents related to this issue. 

I am seeking the XXXX assistance in ensuring that Equifax addresses this matter appropriately and promptly. I request that the CFPB facilitate a correction of my credit report and ensure that Equifax complies with the Fair Credit Reporting Act. 

Thank you for your attention to this urgent matter. I look forward to your response and assistance. 

Sincerely,
Consumer complaint received 2024-08-13
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. (NY)

On XX/XX/XXXX, the week off to be exact I applied to a Credit Card via XXXX XXXX  I was denied, they had promised me compensation from their ad and nothing was done. 
They have violated my rights, I did not give them written/un-written, verbal/nonverbal permission to have my information sent out to other companies per the FAIR CREDIT REPORTING ACT. EXPERIAN, XXXX, XXXX are credit reporting agencies and I demand that they move all inquiries per the FCRA and the Privacy Act of 1974 states : " ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

Again they need prior written instruction. 
I am OPTING OUT of XXXX XXXX XXXX12 CFR 1016.1 Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Requires a financial institution to provide notice to customers about its privacy policies and practices, NO NOTICE whatsoever was given by XXXX XXXX
Consumer complaint received 2023-08-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NC)

This was the same amount disputed from a previous company that falsely reported I owed {$230.00} cable bill from XXXX. This was already removed from my credit report. I never had cable with XXXX XXXXXXXX XXXX 
This account was reported opened on XX/XX/2023 and sent to Credit Management LP collection company. This company has never shown proof that I used my social security number to get cable. I dont even have cable. This company is reporting this erroneously on my XXXX  and XXXX report negatively and I want it removed.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXX XXXX XXXX XXXXXXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : The payment for XXXX was made on time, which falls within the XXXX grace period provided by XXXX XXXX XXXX XXXX XXXX As such, this account should not have been reported as 30 days late. 
XXXX error by the creditor : My payment was processed late by XXXX XXXX XXXX XXXX  internal systems, even though it was submitted on time. This clerical error on the part of the creditor caused the late payment to be erroneously reported. 
Evidence provided : I have attached bank statements and payment confirmation receipts showing that the payment was made, clearly demonstrating that the late payment was a result of a processing issue on the part of the creditor and not a failure to make the payment on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NC)

I am writing to dispute an outdated charge-off entry on my credit report. According to the Fair Credit Reporting Act ( FCRA ), charge-offs can only remain on credit reports for a maximum of XXXX years from the date of the first delinquency. The charge-off from on my credit report is past this seven-year period. I request that this charge-off be removed from my credit report as it is no longer valid under FCRA guidelines XXXX Please investigate this matter and update my report accordingly. I also request written confirmation once the entry is removed. I have recently become aware that I have been a victim of a data breach, which has impacted my credit report. Additionally, I have been living in XXXX for the past XXXX years, where I maintained an excellent credit standing. Due to the data breach, I have been receiving alerts about my compromised Social Security Number ( SSN ) on the dark web. As a result, I am strongly considering changing my SSN to protect my identity. 

Thank you for your prompt attention to this matter. I look forward to your response.
Consumer complaint received 2023-08-30
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have made ( XXXX ) payments to Citibank over the last week ; {$500.00} on XX/XX/XXXX, {$500.00} on XX/XX/XXXX and {$1000.00} on XX/XX/XXXX. The funds have been withdrawn from my checking account at XXXX XXXX and Citibank has received them however my payments have not been applied to my available credit. I'm told the payments have a hold for a week because of the " high payment amounts ''.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by XXXX XXXX XXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) and the Truth in Lending Act ( TILA ) ( XXXX XXXX Code XXXX ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the XXXX grace period : The payment for XXXX was made on time, which falls within the XXXX grace period provided by XXXX XXXX XXXX XXXX XXXX As such, this account should not have been reported as XXXX  days late. 
XXXX error by the creditor : My payment was processed late by XXXX XXXX XXXX XXXX XXXX XXXX, even though it was submitted on time. This clerical error on the part of the creditor caused the late payment to be erroneously reported. 
Evidence provided : I have attached bank statements and payment confirmation receipts showing that the payment was made, clearly demonstrating that the late payment was a result of a processing issue on the part of the creditor and not a failure to make the payment on time. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and XXXX, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-11-11
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (CO)

On XXXX XXXX XXXXXXXX, received a text with an alert from Wells Fargo logo, stating unusual activity on my card. A charge of {$540.00} at an XXXX store, is this you? I replied back no, asked 3 more times about my account #, I replied no all 3 times. Text finished with them saying " transaction has been denied & cancelled '', again, with the Wells Fargo logo. That was during the afternoon. When I returned home I went into my account & saw a {$5500.00} withdrawal with a {$25.00} service fee for a wire transfer to XXXX. I called Wells Fargo immediately, and they went ahead and filed a claim. Also they suggested I close my account and open a new account, which I did. I was told that the claim could take up to 10 days, however, within 2-4 days, they had denied the claim & closed it. They said that I gave my permission for the transfer, but refuse to provide me with proof that I did this via a secured, recorded phone line or in person at a Wells Fargo bank, which I am told are the only two ways a wire transfer can be done. After the denial, I went into a Wells Fargo bank and spoke to a banker re : this matter. She called the claim department on my behalf to re file another claim. They denied that. She then wrote to corporate to file a complaint on my behalf and have this escalated. She gave me a claim number to call and keep an eye/ discuss the the process of claim. I did this, they said it could be another 10 days. Again within 2-4 days they denied and closed the claim. All of the times that I have been on the phone or in person, they can not/ will not provide me with the proof that I did this. I did seek out more help from another person/manager and they were going to try again. To date I have not heard from anyone. I have filed a claim with my local Sheriffs department In XXXX XXXX XXXX claim # XXXX.
Consumer complaint received 2023-10-29
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. (IL)

In 2017 Equifax was Breached do to poor Security! My credit was XXXX score then because my credit info is now for sale at this very moment because of Equifax failure the crooks keep opening accounts in my name and I have to pay thousands to have my credit cleaned of these fraud accounts averages XXXX a year to remove and clean of these fraud accounts I have complained to Equifax about this and have received nothing but retaliation for example I have 28 years of credit history 15 credit cards for XXXX never paid late not even once perfect payment history, Equifax has deleted all my credit accounts from my history and are reporting to everyone that runs my credit that I have none this is a lie!!! 
They are not reporting accurate info I am attaching a copy of some of my accounts that I have had over the last 28 years!!! 
PS also i had continued to be denied from equifax since i applied for the XXXX reimbursement from the equifaxbreachsettlement.com this website has always confirmed my credit info was violated when i enter my last 6 social security number and last name, more and more retaliation since they keep denying to pay me any of the settlement from the class action law suit like all other americans!!!
Consumer complaint received 2023-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MD)

I have been trying to pay my account balance for the last three weeks and although I have received a payment confirmation email every single time, the money has not been removed from the account, and I continue to receive emails from Edfinancial services stating that I have not paid my balance. When I log into my account and look at my transaction history, each day that I have paid, there is another transaction stating that the payment has been reversed. Edfinancial did not directly communicate this to me -- I had to log in and check. I don't think it is fair that I am being penalized because the office is not making the withdrawal I am repeatedly authorizing. Thank you.