davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-13
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)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As a victim of identity theft, I am requesting the block of fraudulent information from my credit report as mandated by law! Particularly the FCRA XXXX XXXX. The following items were not authorized by me and are the result of identity theft : XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$9800.00} XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$9900.00} XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$480.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Amount : {$670.00} XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX Amount : {$980.00} XXXX XXXX XXXX XXXX XXXX Original creditor Opened : XX/XX/XXXX Amount : {$100.00} Attached are copies of my identity theft report. ( Which by law is all that is required ) Please block this fraudulent information from my credit report, refrain from reporting these items to others, and send me an updated copy of my credit report once this is done. This is my second attempt at resolving this with your company, but you knowingly and willingly gave me false information stating that my documentation was not suffice, however after consulting with an attorney, he told me they were, I am hoping that your company abides by the law this time and do what is required for you to do by law! 

Thank you for your cooperation in resolving this issue. 

Enclosures : Identity Theft Report, proof of identity and proof of address.
Consumer complaint received 2024-09-23
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. (TX)

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 605B of the Fair Credit Reporting Act.
Consumer complaint received 2024-10-13
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. (LA)

I filed a complaint with the XXXX major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused
Consumer complaint received 2023-07-05
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. (CA)

I called your department after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off, from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Bank statement, drivers License, and my Social Security Number as verification of my ONLY address.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

Discovering an error indicating a late payment on my account, despite my consistent adherence to payment deadlines, is disheartening. This oversight is generating unnecessary stress, and I urge you to promptly rectify the situation by updating my records accordingly.
Consumer complaint received 2023-11-21
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC (CA)

Flagstar bought my mortgage and they paid me interest on the escrow account for the first XXXX  years then stopped paying it. It is a CA mortgage and I am a CA resident they are required to pay interest.

After calling and spending a significant amount of time in the phone all they would say is they do not have to pay interest.

I asked that the complaint be escalated and was told it would be I was given a case number of XXXX they have never responded it has been XXXX years.

I do taxes for a living and see many accounts for Flagstar that interest is being paid on.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Omni Financial Corp. (FL)

XXXX World Omni Financial XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have reported late payments to the 3 credit reporting agency. The companies are reporting this information to my 3 credit reporting agencies and the credit reporting agencies are reporting this inaccurate information to future creditors. This is causing injury to my person as I am not able to acquire new credit based on these claims.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 in 30 - 60 DAYS 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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! Delete the late payments from my consumer reports
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

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 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NV)

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 605B of the Fair Credit Reporting Act.
Consumer complaint received 2023-07-04
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. (VA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX  Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XX/XX/year>
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I never had a XXXXXXXX XXXX XXXX. So, I filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer. 2 ) A copy of an identity theft report ( such as an affidavit ). 3 ) The identification of such information by the consumer. 4 ) A statement by the consumer that the information is not related to any transaction of the consumer. The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete the account called XXXX XXXX XXXX XXXX XXXX from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX XXXX XXXX XXXX XXXX from my credit report immediately. I have attached a copy of the law that deals with identity theft and the reporting of such information on the person 's credit report. kindly see file attached.
Consumer complaint received 2024-10-12
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. (GA)

This creditor has violated my rights under XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Subject : Notice of Rights Violation Dear CFPB, I am writing to formally address a matter regarding my account with 604A XXXX XXXX XXXX ( Account Number : XXXX I believe my rights have been violated in relation to is action is a breach of my rights under the Privacy Act, as it has caused me, I have made multiple payments to this company and they continue to violate me in every way. 
In accordance with the Privacy Act, I request that you take immediate action to I have made several payments to this company, and they report late payments every month, which is not right and not accurate. 
Should this issue remain unresolved, I may have no choice but to escalate my complaint to the appropriate regulatory authorities. I have attached all the documents concerning this issue with this company. They are the worst, and they have really been very unfair to me.

I expect a prompt resolution to this matter and a response within. Should this issue not be resolved satisfactorily, I may have no choice but to seek further action, including reporting this matter to the appropriate regulatory authorities. 
Thank you for your attention to this important issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Consumer complaint received 2019-11-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BB&T CORPORATION (GA)

I have sent emails XX/XX/2019 and XX/XX/2019 telling I voluntarily surrender the vehicle as Im in a financial hardship and cant afford the car. Have gotten evicted and havent had auto insurance on this car in months. I have also called for them to pick the car up at address XXXX XXXX XXXX XXXX ga XXXX. They have not! They have been calling my job harassing me while Im at work and Ive asked them to not call my work.
Consumer complaint received 2019-11-21
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. (GA)

I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below : Company : XXXX Date:XX/XX/XXXX : Company:XXXX XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX   XXXX  Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX Date : XX/XX/2019 Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/2019 Company : XXXX  XXXX Date : XXXX Company : XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXXThere are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account # XXXX Amount : {$450.00} AccountXXXX Amount : {$430.00} Account : XXXX Amount : {$1900.00}
Consumer complaint received 2019-11-21
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (GA)

I HAVE DISPUTED THESE ACCOUNTS WITH NAVIENT OVER AND OVER AND OVER I HAVE NOT BEEN LATE ON MY LOANS. I HAVE ALWAYS KEPT MY ACCOUNTS IN A POSITIVE STATUS. 

I HAVE ASKED NOW I AM DEMANDING THESE ACCOUNTS BE REMOVED FROM MY CREDIT FILE. I WANT THE LATE PAYMENTS REMOVED AS WELL AS I WANT THE ENTIRE ACCOUNTS DELETED FROM MY CREDIT FILES.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I lodged a complaint against these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I submitted this information originally on XX/XX/XXXX. I am disputing the charges of {$470.00} charged to my account TWICE by the merchant ( XXXX ). I canceled my credit card with XXXX XXXX because clearly there is no oversight ( security ) of charges on their credit cards. It is proven merchants have the authority to charge whatever they choose without input from the cardholder. 
I rented the XXXX on XXXX XX/XX/XXXX and returned it and placed the key in THEIR secure lock box on XXXX XX/XX/XXXX. I was informed by an employee of the agency ( third party XXXX ) that they dont always check in the vehicles daily ( how fortunate for them, they get to charge customers more whenever they decide to check the vehicle in ). 
The problem I have is that I am being charged for five days, using prior authorization because they did not have my credit card, which means I was not in the store five days later!!! XXXX XXXX is on a XXXX versus a weekend, I would have been in the store to return the vehicle and would have BEEN AWARE that I was being charged an additional {$470.00} for the vehicle. 
It is apparent to me that this location practices overcharging their customers because they even charged 4 small fees prior to making the additional {$470.00} charge and XXXX XXXXXXXX never questioned it or notified me!!! The XXXX was actually charged to my account several times. 
XX/XX/XXXX U-Haul {$3.00} XX/XX/XXXX XXXX  {$2.00} XX/XX/XXXX XXXX {$2.00} XX/XX/XXXX XXXX {$2.00} As a result, I have requested my account be closed. It is clear to me XXXX XXXX does not have my best interest in mind. You are more interested in ensuring the charges apply. 
I will pay every XXXX that I made on this card and not XXXX cent I didnt.