davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the CAVALRY PORTFOLIO SERVICES , LLC. ( XXXX XXXX XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Consumer complaint received 2021-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (NY)

I applied for a credit card with Barclay as a result of seeing it on the XXXX website, thinking it indicated XXXX endorsement. After a considerable amount of time ( several weeks ) when I never heard back from Barclay and reached out via phone I spoke with someone who gave identification as " XXXX '' - and ID " XXXX '' who referred me to a website that merely stated I had been turned down. I asked for the rationale and was told it would come via letter, and when I asked to speak to a supervisor, my request was turned down ( rudely ), and I was told those who are turned down can not speak with any other representative in the company. Having worked for more than 50 years, I found that unimaginable but my request was denied several times. 
In the intervening week since that encounter I still have not received " a letter '' indicating the reasoning, nor an email. I checked my credit status with XXXX and have exceptional credit rating, so I am extremely frustrated, confused and resentful that I shared extensive personal financial information during the application process and now have received an abrupt rebuff with no rationale nor individual with whom to speak. 
I reported all this to XXXX, received a case number ( XXXX ) from them and explained that I still have no information from either source of the problem. The representative from XXXX just repeated they have no information. I tried to reach out to the CEO of XXXX ( XXXX XXXX XXXX ) and have prepared a letter to be mailed because there is no phone number nor email listed for her on their website. and will mail a receipt- requested letter as soon as I can get to the post office pending covid considerations. 
Thank you for your assistance in this matter. I appreciate any help or guidance you can provide.
Consumer complaint received 2021-11-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association (TX)

Upon receiving a response on XXXX XXXX through CFPB from HomeloanServ, my mortgage loan servicer, it has now been another full month that I have been awaiting to receive my partial claim/loan modification documents of which I was first informed it would only take a few weeks to receive via XXXX. Homeloanserv stated they would fully process my Covid Combination Partial Claim/Loan Modification within 60 days by XXXX XXXX, Homeloanserv is not fully cooperating with me and I believe they are intentionally delaying the process to force me into foreclosure. Homeloanserv is treating me unfairly and violating federal servicer laws that protect homeowners. My application is not being processed in a timely manner. I would also like an update on a correct escrow analysis. The balance on my escrow is incorrect which could affect my loan modification amount. The estimated taxes that was included in my custom partial claim/loan modification was misinformed. Homeloanserv has not provided to me an updated escrow analysis with the correct balance for my property taxes/insurance. My custom loan modification should be a lower amount than {$1800.00}. I am feeling overwhelmed with stress due to the poor communication and hurtful words i have heard when I called in to Homeloanserv to speak about the Covid FHA loan modification/Partial claim options and follow up.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

On 3 seperate occasions there has been fraudulent inquires on my Equifax credit report. I have a fraud alert and disputed with the company but they refuse to remove them XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Equifax did not provide any helpful feedback. I am attaching my fraud report to this complaint in the hopes of getting these unauthorized inquires removed.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

To whom this may concern, my name is XXXX XXXX XXXX, and I've decided to write this statement. Per 15 USC Code 1681-2 ( a ) ( a ) 1 ( a ) ( c ) and 15 USC Code 1681-B of the Federal Credit Reporting Act ( FCRA ) the accounts listed in this report should not be reflected on my account as they violate my rights as a federally protected consumer. I demand removal of the listed accounts in this report. Additional Unauthorized Hard Inquiries : 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AK)

My account with was never late! I have had exceptional payment history 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 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 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with 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 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.

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 repo
rts
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MD)

My account with XXXX EXPERIAN XXXX 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. 


XXXX EXPERIAN XXXX 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 2024-10-17
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: Experian Information Solutions Inc. (FL)

I have taken steps to address this issue by reporting the fraudulent inquiries appearing on my consumer report. Your actions have caused me significant mental and financial distress by placing an inquiry on my account that I neither authorized nor am responsible for. As a victim of identity theft, I expect this matter to be resolved promptly and properly. Failure to do so may lead me to pursue legal action.

Due to these inaccurate and fraudulent items, I have been unable to purchase my dream car or adequately provide for my family. Please find attached a copy of a letter I previously sent regarding this matter.
Consumer complaint received 2024-10-17
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: Experian Information Solutions Inc. (FL)

I did not authorize nor consent to any of the following accounts or inquiries being on my credit report. I am aware of my consumer laws as you are able to see based on the documents attached. I demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or block from my credit report. I will pursue damages for each account that is in violation if not updated XXXX XXXX XXXX XX/XX/year> - This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX  - This inquiry was not authorized XXXX XXXX XXXX - XX/XX/year> - This inquiry was not authorized XXXX XXXX XXXX XXXX XXXXXX/XX/year> - This inquiry was not authorized
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts 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 to be removed/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.

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!
Consumer complaint received 2021-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

EQUIFAX has violated multiple of my federally protected rights as a consumer and will now be subject to criminal and civil liability if these items arent removed immediately.the following rights were violated. 
15 U.S. Code 1611 ( 1 ) 15 U.S. Code 1611 ( 3 ) 15 U.S. Code 1681a ( 2 ) 15 U.S. Code 1681c-2 ( a ) 15 U.S. Code 1681b 15 U.S. Code 1681n ( b ) I HAVE NEVER GIVEN ANY WRITTEN CONSENT TO ANY CONSUMER REPORTING AGENCY TO REPORT ABOUT ANY OF MY PRIVATE DEALINGS OR INFORMATION. THIS SHARING OF MY PERSONAL INFORMATION WITHOUT MY CONSENT IS IDENTITY THEFT.I HAVE NOT GIVEN CONSENT TO ANY CONSUMER REPORTING AGENCY EVER. PURSUANT TO 15 U.S. Code 1681c-2 YOU MUST BLOCK ALL INFORMATION RESULTING FROM AN ALLEGED IDENTITY THEFT NOT LATER THAN 4 days. a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
PURSUANT TO 15 U.S. CODE 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.MY CONSUMER REPORT CAN NOT INCLUDE ANY PERSONAL TRANSACTIONS BETWEEN MYSELF AND ANY PERSON WITHOUT MY WRITTEN INSTRUCTIONS.BLOCK AND REMOVE ALL ITEMS LISTED IN THIS IDENTITY THEFT REPORT. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. I request a list of all the names of all the neighbors, friends, or associates interviewed as any item listed in this report was not obtained by information from any of those individuals. 
YOU MUST REMOVE THE FOLLOWING FRAUDULENT INQUIRIES PER FEDERAL LAW : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EVERY LAST ONE OF THESE INQUIRIES IS FRAUDULENT.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (MI)

I received an forthright answer from XXXX XXXX about Loan no. XXXX AND AFTER PROVIDING ME THE LETTER DATED XX/XX/2021. That upon my call on or around last Friday to XXXX XXXX and 3-4 calls were told that the SSN and Identifiers information is my loan. Then were told to fax information and then were told " we have no information in the system on this loan '' Then around XXXX XXXX  called back and spoke to XXXX and given him my loan number then he confirmed by saying LET ME LOOK AT YOUR ACCOUNT. 

I held on 1 full hour without XXXX ever coming back on to the line. The I checked my email and at XXXX XX/XX/2021 I received an email from XXXX XXXX XXXX XXXX XXXX and he said the exact, below, XXXX AND XXXX, Hi XXXX, This document explains that prop was purchased in name of another through Wells Fargo. I would call wells fargo as we no longer have anything to do with this loan. 

Thanks Please Request details of all this conducted in my name by XXXX XXXX.
Consumer complaint received 2021-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have reached out to Equifax Credit Bureau last XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THE ACCOUNT IS STILL FOUND AND NEEDS TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Balance {$2000.00}
Consumer complaint received 2024-10-17
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. (NJ)

Under my rights as a federally protected consumer under 15 U.S.C. Chapter 41, I formally request the immediate removal of the following accounts from my credit report, and that they no longer be reported : XXXXXXXX XXXXk XXXX Account # XXXX, Opened : XX/XX/XXXX, XXXX XXXX XXXX Account # XXXX, Opened : XX/XX/XXXX. These entities, in violation of 15 U.S.C. 1681b ( c ), have continued to share my personal information without my explicit consent, infringing upon multiple federal and state laws, including : Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802 ( b ) & ( e ) : for unlawfully sharing my financial information with third parties without my permission. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. : for failing to ensure the accuracy of information on my consumer report and not removing the disputed unauthorized accounts. New Jersey Consumer Fraud Act ( NJCFA ), N.J.S.A. 56:8-1 et seq. : for deceptive practices in reporting inaccurate information and sharing my financial data unlawfully. Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : for engaging in unfair and abusive practices by maintaining these unauthorized accounts on my report. I hereby opt out of the reporting of these accounts. Pursuant to 15 U.S.C. 1681i ( a ), you are required to remove any inaccurate or unverifiable information from my file. Please provide written confirmation of this removal. Failure to comply may result in legal action under 15 U.S.C. 1681n and 1681o.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NV)

" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"