davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

To Whom It May Concern, I am writing to express my extreme frustration and utter disgust after discovering that the following com- pany ( s ) have reported charge off ( s ) on my consumer report : [ XXXX XXXX XXXX XXXX XXXX ] It is clear that the charge off ( s ) on my consumer report is/are in direct violation of the laws cited above. As such, I am entitled to receive damages for this willful noncompliance. Let me be unequivocally clear, according to 15 US Code1681n, I can charge {$XXXX} for damages if. The reported cancellation of debt does not accurately reflect the circumstances under which the debt was canceled. Debt was Canceled by Insolvency/Other. Due unforeseen events and are now counted as Income on my XXXX XXXX XXXX, and as such, it should not impact my credit report negatively.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (CA)

Mid credit management has been handling my debt from an old XXXX. I was making consistent payments to them when I experienced a personal emergency. I called to turn off payments for a short time. This is when the threats started. The agent told me in harsh tones that I could be sued, my credit would be destroyed, that I should not stop these payments. But I had no other option. Now this company is calling my family members telling them that they are looking for me in a civil suit that I am being sued. They are sharing information with family and friends, and using unfair or illegal practices to try and get the funds collected. At this point I don't want to deal with this company at all.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

I have been dealing with Midland Credit Management. I received an email to pay a lower amount to pay in full by XX/XX/XXXX. I paid that amount. I was told it would process and within 21 days would show balance paid in full. On XX/XX/XXXX it shows I have a balance of what they removed for me to settle the account. I called them XX/XX/XXXX and was told it will take another 21 days for that balance to show paid. I dont have a balance.
Consumer complaint received 2024-07-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (OH)

I have been doing investigations about errors on my credit report and I looked up each credit company to see if they are licensed in my state. Upon discovery i noticed that midland is not licensed in my state of XXXX. I live in XXXX  and I want this removed from your credit score immediately
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (AL)

This Credit Bureau Has Been Reporting false information on my credit report, It is Hindering me from the ability to live life and process goals to achieve, This Credit Bureau is saying they are getting there information from the bankruptcy courts and XXXX XXXX, which is inaccurate I have sent over several documents from the Court offices and XXXX XXXX stating that they do report to these agencies Nor is a Bankruptcy disclosed, Also With Metro 2 Complaints it is impossible for them to have this false inaccuracy to report on my credit report, I contacted each company myself And They Sent me documentation to submit to the credit bureau to Removal Immediately, It has exceeded over 45/60 days of the timeline for the credit bureau to Remove, Etc No credit bureau has done so, so now it is extremely important that I contact The appropriate agency to have help with this Inaccurate information Regarding This Inaccurate Bankruptcy ( XXXX XXXX XXXX XXXX XXXX ) Bankruptcy that is Reporting on my Credit Report 3x With all Different Accounts information and inaccurate information Reporting.
Consumer complaint received 2024-07-24
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company (TX)

I purchased a brand XXXX XXXX XXXX house in XXXX following the most incompetent, unorganized, unethical, non compliant loan process. Originally my XXXX loan was funded by XXXX XXXX XXXX XXXX ), but it was quickly sold to Freedom Mortgage. This was my third purchase of a house and unequivocally the worst experience yet. 

Unfortunately, XXXX was the beginning of a cascade of traumatic and financial experiences. It started with a XXXX XXXX followed by illnesses acquired from XXXX XXXX in construction and workmanship, then being XXXX harassed by XXXX XXXX XXXX XXXX, {$4000.00} of repairs to my XXXX ( clearing my savings account ), and then I was hit so XXXX XXXX in my car that it was a total loss. Following the wreck in mid XXXX, I knew i wasnt going to have the money for XXXX mortgage. I called Freedom Mortgage and advised them I was experiencing a financial hardship as a result of these compounding circumstances. 

I requested a forbearance and was denied any assistance because I was current on payments. I was told I had to wait XXXX days to become delinquent before underwriting/loss mitigation would help. I was also told I couldnt get a forbearance, to complete a litany of paperwork and wait XXXX days for a repayment plan- that was misrepresenting the facts.. Per XXXX XXXX Announces Targeted Foreclosure Moratorium on VA Loans Through XX/XX/year>. On XX/XX/XXXX, the Department XXXX XXXX XXXX ( VA ) announced a targeted foreclosure moratorium on XXXX loans intended to allow servicers sufficient time to implement the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX That makes XXXX months already of crashing my XXXX XXXX. The audacity of this lender to propose that I make an extra {$500.00} payment on top of my existing mortgage of {$1800.00}. I had already submitted bank statements and expenses report, and I have roughly {$60.00} to my name after everything. Im already emotionally, physically, and financially exhausted yet Freedom Mortgage chose to engage in misrepresentation and deceptive practices. 

I call back and speak to a helpful female rep who was just as perplexed as me with the repayment plan. She told me shed reject it and request for the forbearance. I voiced my frustration and anger that I was led down XXXX XXXX that caused unnecessary suffering and serious damage to my credit. This absolutely falls under unfair business practices. It is highly unethical to treat customers, a XXXX XXXX XXXX XXXX at that, with no respect, integrity, and empathy. Taking advantage of a persons vulnerability, like financial stability, and further exploit the situation is PREDATORY behavior.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED 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 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 2024-07-23
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. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED 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 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 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I revived a fraud alert from my discover account on XX/XX/year>. I checked my account and had an inquiry from captol one. I have not applied for any credit cards this year. I immediately called XXXX, they got me in contact with captiol one, and the agent found the account with my name. The address being used was an address i lived at in TN, i have not lived there for over two years. I have frozen my credit reports, and XXXX  and captiol one have launched investigations. I havent yet, but i will also be filing a police report.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment 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 2024-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Received phone call from a purported litigation company, XXXX XXXX, XXXX advising they were attempting to collect a debt from Orchard BankXXXX account opened XXXX and closed in 2020. They reported they had a lawsuit filed in the jurisdication in which I reside and were going to " put me before a judge and explain to him or her that my debt was paid in full '' after I calmly advised her she was full of it and there was no debt. She identified as XXXX XXXX and sounded not American, but the accent was difficult to identify.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (GA)

Company is in violation of 5 U.S. Code 1681, also known as the Fair Credit Reporting Act, contains congressional findings and a statement of purpose for credit reporting agencies.

The findings and statement of purpose include : Confidentiality : Information must be kept confidential.

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.

1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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, XX/XX/XXXX, 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 On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
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 2024-08-29
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION (NJ)

XXXX XXXX XXXX  and XXXX XXXX have me as a repo on all platforms making it hard for me to get a car. Which I sued the company for repossession my car when I never was late for any payments
Consumer complaint received 2024-09-06
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)

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX Inquiry 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 — Account status incorrect
Company: EQUIFAX, INC. (AR)

I hope this letter finds you well. I am writing to seek your assistance in updating several accounts on my credit report. I have noticed that certain information pertaining to these accounts is outdated or incorrect, and I am keen to have my report accurately reflect my current financial situation.
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. (AZ)

Subject : Identity Theft Complaint Unauthorized Accounts with XXXX XXXX and XXXX XXXX To Whom It May Concern, I am writing to file a complaint regarding identity theft involving unauthorized accounts opened in my name with XXXX XXXX XXXX XXXX and XXXX XXXX. I have also included an Identity Theft Report to support my claim. 

Details of the Complaint : XXXX. XXXX XXXX XXXX XXXX Account : An account was fraudulently opened in my name under the account number XXXX with XXXX XXXX XXXX XXXX on XX/XX/XXXX. I did not authorize or apply for this account. 
XXXX. XXXX XXXX Account : An account was also fraudulently opened in my name under the account number XXXX with XXXX XXXX XX/XX/XXXX. I had no knowledge of or consent for this account. 

Supporting Documentation : Identity Theft Report : Enclosed with this complaint is my Identity Theft Report, which details the fraudulent activities and confirms my claim. 
Credit Reports : I have included my credit reports from Equifax, XXXX, and XXXX showing the unauthorized accounts. 
Correspondence : Documentation of my communications with XXXX XXXX XXXX XXXX and XXXX XXXX, where I reported the fraudulent accounts. 

Request for Action : I request that the Consumer Financial Protection Bureau ( CFPB ) assist in resolving this matter by ensuring the removal of these fraudulent accounts from my credit reports and facilitating further investigation into these incidents of identity theft. 

Contact Information : Full Name : [ XXXX XXXX XXXX ] Address : [ XXXX XXXX XXXX XXXX, XXXX ARIZONA, XXXX ] Email : [ XXXX ] Phone Number : [ XXXX ] Thank you for your attention to this urgent matter. I look forward to your assistance in addressing these fraudulent activities and correcting my credit reports. 

Sincerely, [ XXXX ]
Consumer complaint received 2024-08-29
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: BMW Financial Services NA, LLC (PR)

I am disputing an inquiry made by BMW XXXX or XXXX on XXXX XXXX, 2023, that appears on my credit report. I did not authorize this inquiry, and there is no record of my consent for this action. I have reached out to the company to provide documentation proving that I authorized this inquiry, but I have not received any response or evidence supporting their claim. This unauthorized inquiry is negatively impacting my XXXX XXXX, and I request that it be removed immediately from my credit report. Please investigate this matter and take the necessary steps to correct my credit report by removing this unauthorized inquiry.
Consumer complaint received 2024-09-06
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. (CA)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.