davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-03
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 recently checked my credit report and realized the company is reporting unknown adverse information on my credit report concerning an alleged debt. I have no knowledge of any business with the company. And I also never engaged in any contracts giving the company consent to furnish anything on my credit report. I feel extremely violated and upset that my privacy would be invaded in such a way. And that my identity would be used without my consent. The company 's actions have damaged my credit rating and hindered my access to credit. The company has violated FCRA permissible purposes of consumer reports, by furnishing unknown transactions to credit reporting agencies without my written consent. The company has also violated FDCPA 1692e by communicating with me concerning the false character, amount, and legal status of the alleged debt. And stating that I owe that debt.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ), the credit bureaus do not have written permission. According to 15 USC 1681, I have the right to privacy. According to 15 USC 1681s-2, 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax XXXX a late payment reported by 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 : I made the payment on time as confirmed by the bank statement attached. 
A clerical error seems to have occurred in reporting the payment, as there is no record of any missed or delayed payment on my end. 
Additionally, the payment records from XXXX  XXXX do not reflect any past due amounts during the disputed time period. 
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 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by 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 : I made the payment on time as confirmed by the bank statement attached. 
A clerical error seems to have occurred in reporting the payment, as there is no record of any missed or delayed payment on my end. 
Additionally, the payment records from XXXX  XXXX do not reflect any past due amounts during the disputed time period. 
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 2023-10-27
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Upgrade, Inc. (WA)

On XX/XX/XXXX, I sent three checks to Upgrade to payoff my accounts, which includes two personal loans and a credit card. I sent them via USPS priority mail and the tracking number indicates the checks will be delivered today. However, Upgrade tells me it could take up to three weeks to process my payoffs because they are simply too busy to do it in a timely manner. Upgrade also said I would be responsible for accrued interest during these three weeks despite them having the check in hand. I dont believe I should be charged accrued interest because Upgrade doesnt have the ability to process payments in a timely manner
Consumer complaint received 2023-10-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Neon Newco Corporation (TX)

I ordered a pair of shoes online from XXXX and when I received them I didnt like the way they looked. I decided to return them to a local XXXX store for a refund upon arrival I was greeted by a store clerk that assisted me for a refund using my credit card ending in XXXX I was expecting a refund using that debit card later on that day around XXXX a refund totaling XXXX was deposited on my card. The very next day Im checking my balance and it was in the negative balance as someone took it. I contacted my financial institution ( NETSPEND ) and they told me its on hold for verification so I sent In everything I had from XXXX for proof of the refund and netspend keeps denying my documents and dont want to release my funds.
Consumer complaint received 2023-11-03
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: Experian Information Solutions Inc. (FL)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
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)

Subject : Formal Complaint Against Credit Bureaus for FCRA Violations and Inaccurate Reporting Dear Consumer Financial Protection Bureau, I am writing to express my deep frustration with the three major credit bureausXXXX, Equifax, and XXXXregarding their failure to comply with the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C. 1681 ]. Despite multiple attempts to correct inaccuracies, these agencies continue to report erroneous information, causing significant harm to my creditworthiness. I have already filed a complaint with the Federal Trade Commission ( FTC ) regarding these issues. 
Collection Account Dispute : The account with XXXX XXXX XXXX XXXX, reported on XX/XX/2024, is inaccurately affecting my credit score. I have no contractual agreement with this company, nor have I authorized them to access or utilize my personal information. Under FCRA [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. This has clearly not been observed. 
Inaccurate Late Payment Reporting : My credit report contains unfounded late payment entries, specifically noted in the XXXX report as of XX/XX/2024. According to the FCRA [ 15 U.S.C. 1681i ], upon receiving notice of a dispute, credit bureaus must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The failure to correct these errors indicates a neglect of this duty.

Unauthorized Information Sharing : I have not given consent for my personal and financial data to be shared or sold to third parties. This unauthorized dissemination violates my privacy rights under the FCRA [ 15 U.S.C. 1681b ], which restricts the purposes for which consumer reports may be furnished.

Immediate Action Required : I demand the immediate removal of all inaccurate accounts and erroneous late payment entries from my credit reports. I also request a comprehensive investigation into these violations and a written explanation of the corrective actions taken to comply with the FCRA. 
Should these issues remain unresolved, I will have no choice but to pursue further legal action for damages incurred due to this negligence. 
I trust that the Consumer Financial Protection Bureau will take prompt action to address these serious concerns and hold the credit bureaus accountable for their failure to adhere to federal law. 
Thank you for your immediate attention to this urgent matter.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm trying again to let you know that I'm a victim of identity theft and that I want to challenge some records in my file that were not lawfully obtained. The records I'm looking at have nothing to do with any ownership of any products, services, or money being acquired by me or my authority. If no one was interested in learning the truth, remove from my credit report any information that appears to have resulted from an alleged extortion or scam. XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXXXXXX, NY XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$5600.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00}.
Consumer complaint received 2023-11-03
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: Experian Information Solutions Inc. (VA)

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 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 2023-10-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: JPMORGAN CHASE & CO. (GA)

We initiated an International Wire Transfer on XX/XX/, but we needed to make a correction to the recipient 's name. In our response to the Secure Message within the XXXX portal, we were informed that it would be at least a week or more before someone could address our request. This extended delay is deeply problematic, as our funds are currently held up in the process, and we are left without any immediate assistance or response from XXXX in the interim.
Consumer complaint received 2024-10-05
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. (FL)

I have recently filed multiple investigation request letters with the credit bureaus, but unfortunately, they failed to provide me a response and are still reporting inaccurate information on my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ). Should further evidence be needed, I am able to provide copies of the aforementioned documents upon request. Additionally, I have included a photocopy of my identification and recent utility bill within the investigation request letters as supporting documentation.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

My social security number was released in a security breach. 

I went online and froze my credit reports with both XXXX and XXXX in less than 10 minutes.

When I attempted to freeze my account online with Equifax, Equifax told me that I had incorrectly answered its security questions, which were incredibly obscure. Because I no longer have records of some of the closed accounts that Equifax was asking about, I decided to freeze my credit report by letter.

As a consumer lawyer, I read the instructions very carefully, and submitted ( 1 ) a signed cover letter ; ( 2 ) a copy of my driver 's license and a copy of my W-2. Although both copies were " fresh '' ( i.e., either printed directly from my computer, or the first copy of the document, as opposed to a copy of a copy ), Equifax sent me a letter stating that my document were illegible and that I needed to resubmit my request. The assertion that the documents were illegible is a blatant falsehood.

I don't expect you to resolve this problem for me. But I would ask that you make a record of this complaint because it is clear that Equifax is intentionally making it unnecessarily difficult for consumers to freeze their credit reports, placing consumers at tremendous risk of financial harm solely to maximize Equifax 's profits.
Consumer complaint received 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

In [ month/year ], XXXX XXXX reported a charge-off on my account, with a balance of $ [ amount ] written off. This action was reflected in my credit report, and the charge-off status has been negatively impacting my credit score. Despite the account being charged off and written off as a loss, XXXX XXXX has not provided me with the required IRS Form 1099-C to document the cancellation of debt, as required under the Internal Revenue Code ( 26 U.S.C. 6050P ) when {$600.00} or more of debt is forgiven or canceled. 

I reached out to XXXX XXXX to request the 1099-C form, but they have failed to respond or provide the necessary documentation. I believe they are in violation of IRS regulations by not issuing the form, and this is preventing me from properly addressing this matter in my tax filings. XXXX Additionally, Equifax has continued to report wrongful and inaccurate information on my credit report without my consent. This has caused further damage to my credit score and is a violation of the Fair Credit Reporting Act ( FCRA ). I have not authorized Equifax to report this incorrect information, and they have failed to investigate and remove the erroneous data despite my attempts to dispute itXXXX XXXX  I respectfully request that XXXX XXXX issue the IRS Form 1099-C as required for the charged-off debt so that I can accurately report any forgiven debt on my tax return. I also request that Equifax immediately cease reporting incorrect information on my credit report and remove the inaccurate data related to this charge-off. This matter should be resolved in accordance with both IRS guidelines and the FCRA XXXX XXXX XXXX XXXX XXXX XXXX REMOVE ASAPXXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by 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 : I made the payment on time as confirmed by the bank statement attached.

A clerical error seems to have occurred in reporting the payment, as there is no record of any missed or delayed payment on my end. 
Additionally, the payment records from XXXX  XXXX do not reflect any past due amounts during the disputed time period. 
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 2023-11-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. 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 2023-01-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UMB FINANCIAL CORPORATION (NJ)

I had an XXXX with UMBXXXX ( " UMB '' here for purposes of brevity ) until the end of XXXX. 

In XX/XX/XXXX, I submitted a claim to UMB to pay a {$1400.00} XXXX XXXX bill. UMB charged me {$140.00} in fees before deducting the {$1400.00} from my XXXX on XX/XX/XXXX. Payment was reportedly sent to XXXX that day. ( I subsequently transferred the remaining UMB balance to a successor trustee, but that's not the issue. ) When I was told by XXXX XXXX that the payment was never received, I contacted UMB on XX/XX/XXXX and was told that the check had never been sent. It had been left in " check printing to the provider '' status. UMB supposedly voided and reissued payment to XXXX at that time. 

When XXXX continued reporting no receipt, I contacted UMB again on XX/XX/XXXX and was told that the replacement check had been sent to XXXX on XX/XX/XXXX, not XX/XX/XXXX. 

UMB now concedes that it can find no record of the XXXX replacement check ever being sent. XXXX is now sending my bill to a collection agency, jeopardizing my credit rating.