davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Affair : Formal Complaint to Remove Late Payment Record from Credit History Dear CFPB Representatives, I am writing to you to file a formal complaint regarding a late payment recorded in my credit history that I believe is incorrect and unfair. 

Complaint Details : Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Account Number : XXXX Financial Institution : XXXX Late XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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.

This company 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 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

i senXXXX XXXX, equifax, and XXXX  a dispute letter on XXXX, requesting deleting of the inaccurate accounts they are reporting on my credit report which is a violation of the FCRA. I have disputed with them several times and they haven't respond nor re-investigated the information which is a violation of 15 usc 1681e ( B ) ; 15 usc 1681s-2 and i am requesting compensation of {$1000.00} us dollars per violation, per item and the charge off accounts has passed the statue of limitation to collect on and need to be deleted, further more the debt was already paid per HJR-192, 18 USC 8, so i am requesting the alleged debts be discharged and deleted from my credit report.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I appreciate your attention to correcting some of the misleading information previously reported on my credit file. However, I am not fully satisfied that the investigation of the 3 credit bureaus has entirely adhered to the guidelines of the Fair Credit Reporting Act ( FCRA ). I believe that certain account still requires proper action to ensure the maximum possible accuracy of my credit file. If their investigation can not confirm the validity of the information, I believe is inaccurate, I respectfully request that the account be corrected from my credit file immediately. Additionally, please provide a detailed description of the procedures used to determine the accuracy and completeness of the information in question to my address listed above. For that reason, I am requesting and asking for your help for the correction of this account : XXXX XXXX Balance Owed : {$2700.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file.
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Okay, I got scammed by a business man that found me on XXXX I was on these groups ( that i have now been kicked out of ), that would basically help you make money ( I thought legally ). This guy had sent me a message, saying that he just wanted to help me make easy and safe money, and that there were absolutely NO risks whatsoever, regarding any sort of legal action. He told me I wouldnt get in trouble and he was just trying to help me make money because i told him how Ive been struggling. I eventually gave him access to my bank account ( user name and password ), i THOUGHT everything was fine. He deposited a check for me, saying that he was just trying to help me, and that there was nothing to worry about for me. He said the check would go through and i would be fine he was just trying to help me make a quick buck. He had been communicating with me throughout the whole process and then all of the sudden things started going down. He started making authorizations that i didnt approve because i gave him by PIN number. I also found out that he made some sort of claims that I didnt approve ( and I still dont know why ), he put money in my account and I sent it back to home because its not mine. I told him how I was uncomfortable and how I couldnt access my account anymore and he said everything was fine. 

I called my bank not thinking anything of it, but they literally restricted my account making me lose access. WHICH I DIDNT KNOW ABOUT. Then they told me theres nothing they can do. They didnt even tell me how to file a claim or anything to get help. I was trying to fix the proble, because I got scammed. This wasnt my doing, and I wanted my account back. 

Then they cancelled my cards my account, and said they would just be sending the money through check to me. So this is my plead on getting my account back please. I didnt think I did anything wrong. I lied to the lady and told her I approved the transactions, but when she told me the check wasnt real I got scared. I told her I didnt do it. But its like she didnt wan na lose it. I just turned XXXX, and I didnt know better, Ive never gotten scammed and I didnt think I was. I wasnt doing anything illegal. I just thought someone was genuinely trying to help me
Consumer complaint received 2023-07-26
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. (GA)

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : DP OF EDUC XXXX Balance Owed : {$4300.00} US DEPT ED XXXX Balance Owed : {$9100.00}
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NV)

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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. (TX)

A few years ago, someone filled federal taxes in my name, which now requires me to use an IRS issued identification number to file my taxes. Now, someone has taken out an ample amount of credit in my name, which is beyond frustrating. I noticed this issue when i pulled my credit report on XX/XX/2023. I pulled my credit because I am interested in pursuing my XXXX XXXX & wanted to apply for FAFSA ( federal aid ). I figured to check my credit before applying for federal student aid. I have filed a dispute with XXXX, Experian, and XXXX. 

All of the information ( credit reports, Identify Theft Victim 's Complaint and Affidavit, my state identification, and a list of items that are fraudulent ), is attached to this report, in which the accounts listed in the documents that start with 'Exhibit to FTC Affidavit Page ... ', are fraudulent. 

What boggles me is that I have fraud alerts ( freezes ), on my reports. However, lately ( within the past few months ), i've been receiving weird, unknown calls.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Affair : Formal Complaint to Remove Late Payment Record from Credit History Dear CFPB Representatives, I am writing to you to file a formal complaint regarding a late payment recorded in my credit history that I believe is incorrect and unfair. 

Complaint Details : Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Account Number : XXXX Financial Institution : XXXX  Late Payment DateXXXX
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : Account name : XXXX XXXX XXXX Account # XXXX
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have tried repeatedly to close my husband 's accounts with Bank of America I have submitted paperwork from the court I have submitted their paperwork and still I have not received the funds from the checking and savings might I add has got no interest in over a year now even one penny. Not only is this outrageous it's unacceptable. I am asking them to close the account and send me my funds. This is the fourth time I've had to address this and Bank of America is more unreasonable than they were on day one. Their banking practices are horrendous. All I'm asking is for them to send me a check for the savings and checking and close the accounts per the court. There is no other excuse for the delay I want my money and I'm still waiting their last response was so ridiculous it's laughable. They need to explain why no interest has accrued it on either account for over a year because this to me seems like theft on their part.
Consumer complaint received 2023-03-24
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 (CA)

In accordance with the fair credit reporting act this creditor has violated my rights. Under 15usc1681 section 602 states I have the right to privacy. 15usc1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-24
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. (TX)

Hello, there is a child support account reporting in my credit reports from the State of XXXX but, I don't have any children. I think that this may be someone else 's account reporting in my report. I sent dispute letters to the credit bureaus ( XXXX, Equifax, and XXXX ) but have not heard back yet. Please have the credit bureaus remove this incorrect account which is not mine from my credit report.
Consumer complaint received 2023-03-24
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. (FL)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports.XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$110.00}
Consumer complaint received 2023-03-24
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: Experian Information Solutions Inc. (CA)

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : XXXX  XXXX : acct XXXX, XXXX XXXX  : acct XXXX, XXXX XXXX : acct XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER late. 

Thanks,
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

XXXX  account in collection. This is not my account account it says I opened in XXXX which I have is untrue I have not opened an account with XXXX This is not my accounts or account was opened fraudulently!!
Consumer complaint received 2023-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (OH)

My loan was sold off in XX/XX/XXXX from XXXX to Freedom Mortgage. Freedom Mortgage has failed to acknowledge payments made with XXXX that were advance mortgage payments that were paid ahead in time. Even though I have provided all documentation proving these payments were made and they are aware these payments were made, they are failing to report XXXX and XXXX escrow payments and causing my account to go into an escrow shortage because they feel since these payments were made when I was with XXXX, they dont need to do anything. Also, anytime I make a payment over the phone to one of there live agents, they seem to not understand on how to properly distribute payments when they receive them, as they will put 100 % of your monthly payment into only principle and causing the rest such as escrow and interest to not be paid for. As of XX/XX/XXXX, they falsely reported to my credit company that my mortgage balance increased by {$2500.00}, causing my credit score to drop. They have not provided any documentation showing there findings, nor were they professional at any point during the process. Freedom Mortgage is not a professional mortgage company and are responsible for mismanaging many peoples loans. Please investigate this mortgage company and investigate my concerns, or there errors and there mistakes could cause me to go into foreclosure. Thank you
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MA)

XXXX  XXXX XXXX  Reporting to my credit report as a collection I have no knowledge of this account and I have never had an account with them. This is a mistake or this account was opened fraudulently.
Consumer complaint received 2023-03-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Weltman, Weinberg & Reis Co., L.P.A. (PA)

On XX/XX/2023 I founded that my XXXX  bank.accounts were locked for some come to find out its because of a law firm that uses very unethical practices to attempt to collect on something that have no knowledge of. I contact XXXX and they forwarded me to use on the unethical lay form practice s etc. my local bank.accounts are locked at the moment with no access to any.uc.and labor and industry funding that disrupting everything and the law firm knows about it and they continue to play practices like calling me telling me either and my recorded line ask me for my social I tell them that I'm not comfortable and they hang up on me I get bounced back and forth between one voicemail to another voicemail to another voicemail while my account s can't be accessed ... I'd like forward any required XXXX and bank information to have the situation to accessed this a quickly and efficiently as possible... .the law firm is Weltman , Weinberg & Reis Co. , LPA 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 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX