davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
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. (MO)

I see that XXXX, Equifax, and XXXX are reporting some Inquiries on my consumer report without my consent. I have attempted months ago prior to this complaint to call and send in a letter stating that Per the FCRA as a federal protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802. I still see that it is on my report even when it shouldn't have been to begin with considering I never gave permission or consent to report this on my credit report. Under the Privacy Act of 1974 it clearly states, 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. Also, 15 USC 1681b states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. According to the Fair Credit Reporting Act 15 USC 1681a-4, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ''. XXXX, XXXX, and Equifax are all consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information ''. Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking the law and continue to do so daily with prior knowledge of the law they agreed to uphold for the benefit of the consumers and to not undermine the public confidence which is essential to the continued functioning of the banking system according to 15 USC 1681a-1.15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax, and XXXX are not maintaining reasonable procedures.
Consumer complaint received 2016-02-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (MN)

I filled out a complaint on XX/XX/2016 about a collection notice I received from AFNI, XXXX On a debt from Century Link for {$82.00} and today I spent the next 3 hours on the phone with XXXX after the collection company told me that XXXX recalled the debt. Once again I was unable to verify the debt with XXXX XXXX in that amount. I spoke with XXXX different customer service reps from billing to credit and collections. NONE was able to tell me how or where this amount came from. Yet it 's been almost 2 years and this debt has been reported to all XXXX credit reporting agencies. I have tried and failed to verify this debt with the original creditor and collection agency. Neither has been very helpful other then they would be happy to clear this up after I paid them this amount. Again I would be happy to pay if I could verify the debt and when I was billed for it. Further more my XXXX XXXX account is paid via auto bill pay and once again I was told by XXXX XXXX that my account is current and show NO outstanding balance. They looked up my account using my name, account number, home phone number my wife 's name and finally my social security number all showing I do n't have any debt in said amount. So once again I got nowhere with this issue and I still have this debt being report on my credit score.
Consumer complaint received 2023-10-28
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 aware that, in spite of the precise information customers have provided, you have been using pre-written standard form letters in your responses to a large number of disputes, complaints, and challenges. I am fully aware that this is illegal because every customer complaint needs to be considered on its own merits and handled accordingly. 

My letters have written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. And it is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I am aware that you can postpone answering consumer letters without having to ask for a Power of Attorney. I will view your failure to respond to my correspondence in a timely manner as a willful disregard for my rights as a customer. I will be forced to get in touch with my lawyer and take legal action in such a situation.

According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data fild reporting, I have the right to dispute any information on my credit report that I believe is not correct. It is essential that all data included in a consumer 's file is properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and fiancial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. It is crucial that we ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 
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 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XXXX XXXX HAS FRAUDULANTLY CHANGED DATES ON AN ACCOUNT THAT IS WELL PAST THE STATUE OF LIMITATIONS FOR COLLECTIONS. XXXX XXXX XXXX WAS CHARGED OFFIN XXXX  BUT XXXX XXXX HAS REPORTED THE A CCOUNT AS BEING CHARGED OFF XXXX YRS LATER NOT ONLY VIOLATING MY RIGHTS BUT ALL LAWS GOVERNING ACCOUNTS BEING REPORTED TO CREDIT BRUREAS. REPORTING FRAUDLANT INFORMATION IS ILLEGAL. CHANGING AND ALTERING CREDIT INFORMATION IS ILLEGAL.
Consumer complaint received 2023-06-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (GA)

My mortgage was purchased by US Bank. I received a call saying my mortgage payment was late. They sent me a letter in the mail and explained don't use email or text just regular mail ... in XXXX. I use auto bill pay as i travel extensively for work and never received any letter. This was due to my insurance going up and increase in amount needing to be escrowed they said I owed a late fee and {$170.00}. The person I spoke to said she would waive late fee if I paid right then and there, but only with bank info right then and there ... I couldn't send it. I gave her bank routing / checking number. 4 month later I get another call saying I owe {$450.00} in late fees because the transaction didn't go thru, because they missed one number on my account, I escalated this and supposedly they pulled the call and said I gave the wrong account number ( which I know by heart ) but they wouldn't let me hear the call. So I owe {$450.00} in late fees on {$170.00}. Now I just received another email stating again mortgage not paid and have a late fee. They explained your insurance went up again and I need more in escrow, when actually my insurance went down and then they said well we calculate escrow in XXXX and estimated it when my insurance renews in XXXX. They agreed insurance went down, but due to there calculation I had to pay the {$280.00} in order to bring my account current.. again I use auto bill pay. I'm so sick of this I ask if I can just not escrow and pay my own taxes and insurance, to which they reply " I can do that but there is a one time fee of {$1300.00} to discontinue escrow. I've been in the banking and financial services business for 25 years and personally dealt with many lenders. I believe this bank is using deceptive practices to run up fees any and every way they can. How can they charge me {$1300.00} to not escrow for taxes and insurance. They are constantly looking for ways to charge fees and they're employees just tow the company line without waiver.
Consumer complaint received 2023-08-11
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. (SC)

This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX 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 Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX 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 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate 30-day late report to the credit bureaus. 
Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred. 
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
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Company claimed to the irs that they sent out a 1099 C for a vehicle. I was never notified my taxes was taken due to this 1099 C form. Each month I get a alert on my credit this account is reporting as late payments and high balance. I called the company they say they have no records of me as their customer and no knowledge of the form. There has been no resolution and this has cause for me not to be able to purchase a vehicle
Consumer complaint received 2023-10-28
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. (GA)

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-07
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. (DE)

On XXXX, I opened a credit card with a lender ( XXXX  XXXX XXXX ) who pulled a XXXX score from XXXX. 
XXXX  on XXXX shows a score of XXXX. The lender sent a credit score letter with the same date and XXXX  agency lower score of XXXX indicating I am higher risk. Unfortunately, that in turn unfairly impacted my scores on other agencies ( Equifax ). 

Lender inaccurately used XXXX and approved my credit card with minimum line. The lower line resulted in increasing my Utilization. 

The further implication is that when I purchased an AUTO on XX/XX/23 my score that was unfairly lowered, resulted in a higher pricing, thus impacting me significantly financially. 

I disputed this with XXXX, and they appear to have corrected the score. Unfortunately, it should be retrospective and reflect XXXX on XXXX. But the score was updated inaccurately and untimely. 

As a safe measure, I proactively paid off most of the balances immediately reducing my utilization from 37 % to 26 % well before XX/XX/23. However again due to unfair timing my score continued to report below XXXX. 

I have 24 years of credit, paid on time in FULL an average $ XXXX for 24 years, Never delinquent, never revolved, no negatives to damage my score this significantly.
Consumer complaint received 2023-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc (SC)

I needed to call XXXX XXXX for an issue I needed resolved with an XXXX. I XXXX  XXXX XXXX and clicked on the website and the number that was provided. The agent I spoke with said he needed to verify my identity and I needed to download an app called XXXX so he could see what my screen was showing as we talked. I did as he said and gave him permission to see what was on my screen. He the. Told me to go to my Chime bank account to see if a {$1.00} deposit XXXX sent was showing. I did and it never showed. He then tells me to go to pay/transfer and gave me an email address to put in for who I was sending money to. He then told me in the amount to put {$730.00}. That was the balance on my account and he was able to see that because of the app I downloaded. He was talking so fast and before I even thought I did as he said. He told me my money wasnt going anywhere because the transfer would not be accepted, it would be declined. He kept telling me to wait until it showed so he could decline it. It all happened so quickly. I waited and stayed on the line until the transfer went through. He immediately hung up on me. He scammed me into sending him my whole balance of {$730.00}.
Consumer complaint received 2023-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified items listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this items, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

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 2024-10-30
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. (CA)

I am writing to formally request the removal of an inaccurate XXXX  XXXX XXXX  record from my credit report under the Fair Credit Reporting Act ( FCRA ). The details of the record in question are as follows : Reference Number : XXXX Date Filed/Reported : XX/XX/year> This XXXX  entry has caused significant financial and emotional hardship, severely impacting my ability to provide for myself and my family. I believe the record has either been inaccurately reported or has remained on my credit report longer than permitted under the FCRA.
Consumer complaint received 2024-08-23
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: National Credit Adjusters, LLC (GA)

I am not liable for this debt with National Credit Adjust. 
I do not have a contract with National Credit Adjust. 
They did not provide me with the original contract as I requested.
Consumer complaint received 2024-08-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TN)

This company has reported an alleged account on my credit profiles. I have requested debt validation of this account directly to this company and through the credit bureaus. However, I have yet to receive the information I requested from this company. The negative item placed on my credit reports is hindering my credit profile and preventing me from obtaining certain financial products that I am in need of.
Consumer complaint received 2023-08-07
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: Experian Information Solutions Inc. (CA)

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance {$37000.00} XXXX XXXX CT XXXX, CA XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Consumer complaint received 2024-10-30
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. (KY)

I recently reviewed my credit report and noticed an account that was not reporting correctly. I had seven late payments on an account that I know in fact was in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.This account has not been on late on payments.I 've attached a copy of my report for this complaint on the following date ( XXXX, XXXX, 2024 ) I'm now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt attention.