davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
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: EQUIFAX, INC. (TX)

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.
Consumer complaint received 2024-10-07
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. (AL)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-07
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: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX DOB : XXXX SSNXXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Equifax Dispute Information Center Dear Equifax I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file.

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with 15 USC 1681i ( a ) ( 5 ) ( A ) : XXXX. XXXX  XXXX - account # XXXX Delete this account because you are inaccurately reporting : the date of the last activity, even This account was charged off on the following date [ XXXX ]. Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the complete of your re-investigation. 

Regards, XXXX XXXX
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need attention : XXXX XXXX XXXX Date XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date XXXX XXXX XX/XX/XXXX Balance : {$580.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX WY XXXX, CA XXXX XXXX XXXX Date XXXX Balance XXXX {$0.00} XXXXXXXX XXXX XXXX Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$580.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-10-05
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: EQUIFAX, INC. (SC)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-10-05
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: EQUIFAX, INC. (SC)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the reporting of late payments on my account from XX/XX/year> to XX/XX/year>. These payments were inaccurately reported as late due to circumstances directly related to the CARES Act, specifically in regard to financial hardship I faced due to job loss during the XXXX pandemic.They are hurting my credit restricting me to obtain credit. Under the CARES Act, financial institutions are required to offer assistance for those affected by XXXX hardships, including job loss. As I was directly impacted, I requested payment relief and was under the assumption that my account would be protected from negative reporting during this period. Despite these conditions, late payments have been reported to the credit bureaus for the above-mentioned months. I kindly request that you investigate this matter and correct the reported late payments. Please take the necessary steps to ensure my credit report accurately reflects the agreed-upon payment deferral.I expect confirmation of the removal or correction of these late payments within 30 days, as is my right under the Fair Credit Reporting Act ( FCRA ). I also request written confirmation that this correction has been made. 
Thank you for your prompt attention to this matter. If further information is required, please do not hesitate to contact me.
Consumer complaint received 2020-08-03
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERIFIRST FINANCIAL, INC. (CO)

XXXX I received a text message from my loan officer stating we were getting ready to lock the interest rate for a XXXX XXXX close. 
XXXX received loan docs with estimated closing costs at {$13.00}, XXXX XXXX close scheduled forXX/XX/20 and paid for appraisal XXXX text massage from loan officer agreeing to meet preferred lender within {$600.00} - requested updated estimate for loan officer XXXX received text message form loan officer stating our rate was locked at 3.5 % with a monthly pmt of {$3200.00} +- closing disclosure cash to close {$54000.00} XXXX received confirmation of loan approval from loan officer with approval to resign XXXX received a call from lenser stating " XXXX XXXX '' is requesting a lock extension with a cost of {$2500.00} - however, we did not break lock XXXX received updated loan disclosure with cash to close {$57000.00} after XXXX alone approval and final loan disclosure - text message from loan officer " they are re-balancing and everything should be correct now - when I questioned this further, I received a text massage stating this was a change of circumstance - we never signed a change of circumstance with another text from loan officer stating " your old amount should be correct as we are just adding {$2500.00} XXXX we wired {$57000.00} to title to close XXXX arrived at closing appointment and was instructed to wire an additional {$560.00} adding {$960.00} to the original amount to close and exceeding the original agreed upon amount by more than {$2000.00} XXXX received text from loan officer stating I was charged twice for the appraisal in error ( however I was not ) XXXX received text from loan officer stating he was '' fixing the {$2500.00} ) and that I was credited back for the appraisal - I was never credited back for the appraisal and that Title would write me a check for the overpayment. Also that I would receive a refund from the appraisal company for {$370.00} XXXX F/U with loan officer about overpayment and status of refund of minimum {$960.00} XXXX questioned rate lock extension by XXXX  - loan officer states he requested final loan docs form Title XXXX again questioned rate lock extension, as we didn't break lock ( initially told by XXXX ) - response from loan officer " Amerifirst was requiring the lock extension because they would not be able to sell the loan until you had at least one paycheck. That is a requirement no matter who is servicing the loan. We may have underwritten with XXXX  but they must not have bought it. As far as the difference, did you take into account the potion of the appraisal that was credited back to you '' my response " I have not received a credit ''. Again, I received a text that the loan officer would look into it. then another text from loan officer " now that I am remembering ... .you should have received credit for the entire appraisal '' XXXX informed loan officer I am requesting a full loan audit as to date I have not received any clarity concerning my loan I can provide copies of all text messages
Consumer complaint received 2020-08-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2020-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NY)

I called Citi bank and requested that my payments should be deferred due to me not getting paid as a result of the coronavirus. 

The representative clearly confirmed that my payments will be deferred for two billing cycles and no late payments will be reported to the credit bureaus ( attached is a phone call recording and letter from Citi confirming the above ). 

When checking my credit report I noticed that Citi is reporting a late payment on my account for the month of XX/XX/2020. This late payment is from after the date I first contacted Citi. And as per the Citi rep, the amount due was to be deferred as well. And the XXXX payment was not required
Consumer complaint received 2020-08-03
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: Experian Information Solutions Inc. (FL)

Ref : Credit Reporting/ Cares Act/ FCRA, remove/ delete COVID-19 late payment request ATTN : Experian/ Report Number : XXXX, Dispute on XX/XX/2020 The CARES Act, which President Trump signed into law on XX/XX/2020, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis.

The CARES Act requirement to report accommodated accounts as current effected by the pandemic. The amendment defines " covered period '' as the period starting XX/XX/2020, until the later of 120 days after enactment of the CARES Act or 120 days after the end of the national state of emergency declaration. 

I notified my creditor that I was affected by Covid-19. And the reason my payments were delinquent was due to COVID-19 financial hardship. I requested a deferment/ forbearance. I have never been late before the COVID-19 Pandemic.
Consumer complaint received 2020-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (CA)

My wife made an online purchase for a diet supplement product from a Company called XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We have been billed {$250.00} and received nothing for it. They sent us two packages and we have worked with our postal carrier to refuse delivery and return them to sender, since we did not want them. Company does not make it easy to take advantage of their so-called " money-back guarantee '' - or any attempts to cancel purchases, or the whole program. All attempts to contact customer service has either resulted in no calls being answered after more than 12 minutes on hold, a direct disconnect from agent, after he found out a disputed was " in-process. '' We have been working with AMEX to reverse multiple charges from this company without success. We have worked with AMEX to close my wife 's account and have a card reissued with a new number. We put stops on all reoccurring charges, but they change company names and merchant numbers and resubmit charges by stating to AMEX " card on file '' to avoid the fact that her old card number doesn't work and she has a new number. 

This company is a well documented scam and fraud ( see this UDL XXXX XXXX XXXX  XXXX ). 

Please help with AMEX and / or this company. Thanks.
Consumer complaint received 2020-08-03
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. (GA)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXXXXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report XXXX  XXXX XXXX {$1200.00} XXXX XXXX {$180.00} XXXX XXXXXXXX XXXX {$0.00}
Consumer complaint received 2024-11-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ). Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), an auto loan account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), and a personal loan account opened at XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ) an apartment was leased at XXXX XXXX XXXX XXXX XXXX ) I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Cringnal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all '' of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-11-02
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: ProCollect, Inc. (TX)

I never had contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account I don't agree with the results of your investigation. 


Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4. 




This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with evidence that I have any legal obligation to pay you, including the following documentation : 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent.