davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
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. (FL)

I am writing to express my deep concern over an error involving XXXX XXXX 's reporting of my account status to one of the credit bureaus, specifically Equifax. I recently settled a collection account with XXXX XXXX, which has been correctly reported as " paid '' to XXXX and XXXX. However, it has come to my attention that Equifax 's records still show my account as having a " derogatory '' status and marked as " unpaid. '' This misrepresentation is negatively affecting my credit score with Equifax and could potentially lead to unwarranted financial complications. 

I want to underscore that I have adequately satisfied my financial obligations towards this debt, and the incorrect reporting to Equifax is both misleading and inaccurate. This failure to provide accurate status for my account contravenes the Fair Credit Reporting Act ( FCRA ), which emphasizes the need for precision in the reporting of information by financial institutions. 

I respectfully request that XXXX XXXX immediately rectify this discrepancy. Please ensure that my account status with Equifax is updated to reflect that the debt has been paid, thereby maintaining consistency and accuracy across all three credit bureaus. 

In addition, I kindly ask XXXX XXXX to provide me with written confirmation once these corrections have been made and that my paid account status has been reported accurately to all three credit bureaus. I believe that this step is crucial in safeguarding my rights as a consumer and in preventing any future discrepancies in my credit reports. 

Given the above circumstances, I seek the intervention of the Consumer Financial Protection Bureau ( CFPB ) in this matter. I trust that the CFPB will assist me in ensuring XXXX XXXX meets their obligation to accurately report information to all credit reporting agencies. I am confident in the CFPB 's capacity to investigate such concerns and trust you will aid me in ensuring my credit report is accurate and fair. 

Thank you for your prompt attention to this pressing matter.
Consumer complaint received 2023-06-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Wilber and Associates, P.C. (KS)

They call several times a day. Saying there going to take my drivers license and garnish all my checks. 
Saying i owe over {$10000.00} for a very small accident. 

Starting calling XX/XX/2023. Call XXXX and 4 times a day. 

Always threatening to destroy credit and make it where we cant drive to work Want over {$6000.00} down and {$500.00} a month. 
Then offered {$5000.00} down and {$250.00} and month We countered with them to lower and then they say well call you back and then just call and ask for {$5000.00} again
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted are XXXX XXXX XXXX  XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 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. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( EQUIFAX, XXXX, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Consumer complaint received 2023-06-24
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX To Whom It May Concern : CFPB, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, EXPERIAN, and XXXX. 
I am writing to you today to file a complaint regarding the handling of my disputes with XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, EXPERIAN, and XXXX. I have been disputing the following inaccurate information on my credit report for over 30 days, and XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, EXPERIAN, and XXXX. has not yet completed their investigation :
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report notation of the following late payments ( 2 ) is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not { XXXX XXXX Credit Card with Account # XXXX } I also respectfully request to be provided specific proof that theses alleged late payments ( 2 ) were in fact late. I request to see all statements and payments transaction records from the you as the creditor that would proof that my payment was not submitted on time. It is my understanding that I must verify these items with the reporting creditor ( XXXX XXXX Credit Card ) for accuracy. If they are unable to provided that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. 

In addition in accordance to the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1666B 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.

Furthermore as per the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681 Section 602 states 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. Where is my right to privacy, when your reporting to the credit bureaus about alleged late payments?

Over and above that, by means of the Fair Credit Reporting Act ( FCRA ) Code 15 USC 1681a ( 2 ) ( B ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2023-06-08
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello ..in accordance with the Fair Credit Repoting Act.This creditor has violated my rights.Under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 ( b ) a creditor may not treat a payment on a credit card account under a open consumer plan as late for any purpose..so I'd like to delete any off my credit report. Thank you so kindly..XXXX XXXXXXXX
Consumer complaint received 2023-06-24
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (SC)

On XX/XX/2023, I received verification from the XXXX investigation that the accounts mentioned below were reporting accurately. I have attached all documents and circled the inaccuracies. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-06-08
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. (FL)

I am writing to express my dissatisfaction and concern over a serious error in the reporting of my account status by XXXX XXXX to XXXX of the credit bureaus, Equifax. I have recently settled a collection account with XXXX XXXX, and while this has been accurately reported as " paid '' to XXXX and XXXX, Equifax 's record continues to show the account as " derogatory '' and " unpaid. '' This inconsistency is negatively impacting my credit rating with Equifax and may potentially cause undue financial difficulties for me. 

I would like to stress that I have fulfilled my financial obligations regarding this debt, and the incorrect information reported to Equifax is both inaccurate and misleading. The failure to report the correct status of the account is a violation of the Fair Credit Reporting Act ( FCRA ), which stipulates the need for accurate information reporting by the financial institutions. 

I kindly request that XXXX XXXX takes immediate action to rectify this error. Please update the status of my account with Equifax to reflect that the debt has been paid, thereby ensuring that all three credit bureaus have accurate and consistent information. 

I would appreciate it if XXXX XXXX could also provide me with written confirmation that these corrections have been made and that the accurate account status has been reported to all three credit bureaus. I believe this is an important step to protect my rights as a consumer and to prevent any potential future inconsistencies in my credit reporting. 

In light of the above, I kindly request that the Consumer Financial Protection Bureau ( CFPB ) assist me in this matter and ensure that XXXX XXXX adheres to their obligation to provide accurate information to all credit reporting agencies. I understand that the CFPB has the ability to investigate these types of issues and I trust that you will be able to help me ensure that my credit report is accurate and fair. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Colony Brands, Inc. (FL)

On XXXX XXXX I spoke with country door collections supervisor department ..I was told I dont owe anything with them and actually have proof I paid the balance they keep reporting. This defamation they are violating FCRA by refusing to remove the amount that is not due to them and account they are reporting to the bureau it has been more than 7  years that I have had an account with country door they are over the limitations and are reporting incorrectly. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. They are not verifying this debt to be valid
Consumer complaint received 2023-08-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

This company advised me at the beginning of last year that I would be eligible for a loan assistance program and I signed up for it. They told me to wait until they approve it and that I didn't have to make payments until the approval was complete and they find a clear title. I followed up on the info they gave me within a couple of weeks then they advised it would take at least 30 days to get the title and they told me to continue to wait and I would get something in the mail or a phone call from them. I did what they said and waited 30 days then when I called back to check on it a rep told me that someone had submitted a death certificate on my account which was not possible because I was the only one authorized to handle anything regarding my mortgage. Shortly after they sent me a certified letter in the mail saying my house was in foreclosure. I did everything they told me to do and they flat out lied to me and put my house in foreclosure without honoring the assistance program paperwork. I later filed for bankruptcy XXXX XXXX and it was discharged, then mortgage company challenged it through the courts advising me I needed to pay or foreclose. I started making payments an they honored the assistance program but after the bankruptcy discharged they advise me they will not report the payments I am making on my credit because the bankruptcy lawyer needed to do a reaffirmation. The lawyer advised it was up to the Mortgage company to do the reaffirmation so I kept getting the runaround and here I am still paying and its not reflecting on my credit and my Mortgage payment increased. I have had nothing but issues with this company, they lie and every time I call someone tells you different things.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: GATEWAY FIRST BANK (LA)

We are part of the devastation that hit Louisiana in the flood of XX/XX/2016. Our house received 56 inches of water. We have requested a second draw from Gateway Mortgage Group and they had and inspector come out and saiy that we are at 1 % repair. Gateway says they can not release anymore money until we are at 50 % complete. The money they sent us, {$25000.00}, was used to buy materials : demo supplies and tools, windows, insulation, electrical materials, sheet rock and finishing supplies, primer and paint, flooring, and hire contractors to complete repairs on plumbing, electrical, insulation, sheetrock, painters, window hangers. Luckily I am able to do flooring and a few other repairs to save money. I have exhausted all of my financial resources trying to recover the loss of 5 vehicles, and over 50,000 dollars of household contents where we only received XXXX for that. My wife and XXXX teenage children have lived in one room and a shell of a house for 4 months. We are now fighting to repair our home with 30 % of the repair money and not able to get the anymore until we are at 50 % complete. Do the math : We are in financial ruin. I can not even go and buy groceries this week. Help us please.The phone number I have for Gateway Mortgage Group is XXXX. Thank you.
Consumer complaint received 2023-08-03
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. (NY)

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX XXXX XXXX  Experian XXXX Account XXXX XXXX XXXX Account Type : Installment Account Type - Detail : Unsecured loan Bureau Code : Individual Account Status : Open Monthly Payment : {$110.00} Date Opened : XX/XX/XXXX Balance : {$2600.00} No. of Months ( terms ) : 36 High Credit : {$4100.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month 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 Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. 


As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 



PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Consumer complaint received 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (FL)

I have an Amazon Rewards Chase credit card that i obtained in XXXX when we signed the contract to 19.24 % -27.24 % Variable APR. 

Normally the APR rate depends on the creditworthiness of a person. as an immigrant my creditworthiness increased to XXXX and have obtained 3 cards One for my Business Chase ink card XXXX XXXX XXXX from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  and One this AMAZON Rewards card that has a limit of around {$5000.00} I have a Balance from that card XXXX XXXX  and i am paying regularly every month However last 2 years i asked to Chase to review my card and lower the APR I called them many times to the call center and the supervisors also found that the APR percentage is too high for a good credit score However, despite my applications, i was just sent the same paper indicating i have to pay 27.24 % APR Sadly i do not live this problem with my other cards however i live with just an Amazon Rewards Chase card and as i lost my faith to Chase i stopped to purchase with that card and plan to clean my Balance and decided not to purchase until an official gives me a credible explanation why i have a 27.24 % APR i begin to believe they fixed me and despite i do my best i will get the same result I also went to the branch to ask the same question but they can not give me an answer and also advised the wrong opinion that i was told i have to clean the balance and close the card which will also affect my credit score