davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-26
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. (IN)

Unauthorized Hard Inquiries.

To whom it may concern, I recently reviewed my credit report and noticed multiple hard inquiries that are unrecognizable to me. I did not secure an account with any of the following companies which constitutes securities fraud and did not authorize my credit to be pulled during these highlighted instances. Please remove the following inquiries IMMEDIATELY in order to restore my credit to a more accurate status. The accounts to be removed are the following : Equifax XX/XX/XXXXXXXX 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 2022-11-26
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MI)

My house was put into forbearance with my original mortgage company, XXXX XXXX, in XXXX. My loan was then purchased by Carrington mortgage before my loan modification packet had been put into place although it had already been approved by XXXX XXXX. I was forced to move out of my home and start renting it out as I could not afford the payments after getting out of the XXXX XXXX which is why I modified the loan in the first place. For the past 18 months I have tried time and time again to submit a loan modification packet with Carrington mortgage, it has been at least six times of submitting a packet and each time they said it was missing something or part of it was filled out that didnt need to be. I have attempted to resume making payments on the house but they would not allow me to resume payments until the loan modification went through. I am now XXXX in debt on payments and they are foreclosing on XX/XX/XXXX. I have asked to make partial payments on the debt but they will not let me make any payment unless it is the full amount. I am now able to make this full payment, but with the amount of deception and unhelpful attempts to fix this situation, I have zero trust in this company Im really afraid to even attempt to pay off my house before it foreclosures as they may come up with another excuse as to why it wont work and I could lose all that money as well as my house. Please help, this company seems to be a real mortgage company yet after reading reviews it seems like all they are doing is scamming people including myself. I had no say in if I wanted them as my mortgage company, I did my VA loan through a good company that I agreed to but I didnt agree to the horrible company of Carrington mortgage. My credit has tanked due to the missed payments that Ive been desperately trying to make Carrington allow me to pay. They are so unhelpful and at this point it seems like they have just been trying to have my house foreclosured rather than help me pay it off.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

To Whom It XXXX Concern : Id like to bring to your attention the following errors in my credit report. I am hoping to get some assistance from the CFPB, in accordance with the Fair Credit Reporting Act. Id like to request the deletion of these inaccurate accounts that are having a detrimental impact on my credit score and resultant interest rate costs : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX, account ending XXXX ( a ) Account Status should show Closed ; was paid as agreed ( b ) Available Credit {$0.00}. No late payments. 
( c ) Error in the record. I request CFPB assistance so XXXX, XXXX and Equifax would please remove this record. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) Duplicate account, and covered under number 1 above. 
( b ) This account was not Charged Off. 
( c ) Error in the record. I request CFPB assistance so XXXX, XXXX and Equifax would please remove this record. 

3XXXX XXXX XXXXXXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$150.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, XXXX and Equifax would please remove this record. 

4XXXX XXXX XXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$200.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, XXXX and Equifax would please remove this record. 

5XXXX XXXX XXXXXXXX, account ending XXXX ( a ) Account Status is incorrect. This account was not Charged Off. 
( b ) Monthly payments of {$450.00} from XX/XX/year> through XX/XX/year>, have been paid and are not reflected. There are no payments past due. 
( c ) Error in the record. I request CFPB assistance so XXXX, XXXX and Equifax would please remove this record. 

Thank you for your attention to this matter, and feel free to reach me by phone or email. Based on your determinations, Im happy to follow up with XXXX XXXX XXXX XXXX XXXXXXXX as well as the credit reporting bureaus. 

Kind regards, XXXX XXXX
Consumer complaint received 2024-09-27
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. (LA)

After carefully reviewing my most recent credit report, I noticed that several accounts were added that I have zero knowledge of. I did not give permission to use my signature or authorization to any of these credit reporting agencies. Here are the accounts XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX 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 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 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 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 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 2024-07-26
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)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-07-26
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 XXXX XXXX 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 XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I filed a few disputes with Equifax confirmation # XXXX # XXXX # XXXX about me victim of identity theft and I was effected by Equifax data breach and XXXX XXXX XXXX data breach. Equifax is refusing to remove these inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX. Someone used my information without my authorization for I am victim of identity theft see attached
Consumer complaint received 2024-07-26
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 XXXXXXXX XXXX XXXX XXXXXXXX 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 XX/XX/2023 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 2024-07-27
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. (DE)

In accordance with the Fair Credit Reporting act XXXX Account. 
XXXX, Equifax. XXXX XXXX has violated my rights. 

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 writing instructions.
Consumer complaint received 2024-07-26
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. (VA)

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.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

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 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (GA)

Equifax has failed to continue consistent service... I have repeatedly sent NOTICE to update my address accordingly : XXXX XXXX XXXX Unit A XXXX, Georgia XXXX There should not be anything regarding my past whereabouts without my authorization as many criminals use any and all information possible to commit Identity Theft - see attachments. 

This is depriving me of my right to privacy.
Consumer complaint received 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

THERE ARE FRAUDULENT ACCOUNTS, INCORRECT PERSONAL INFORMATION, AND UNAUTHORIZED HARD INQUIRIES APPEARING ON MY CREDIT REPORTS AND I WANT THEM REMOVED IMMEDIATELY! THEY DO NOT BELONG TO ME! FRAUDULENT ACCOUNTS XXXX XXXX XXXX, # XXXX, date opened : XXXX, XXXX {$0.00}. 
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 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 I certify and declare this information to be correct and true. I understand that knowingly making any false statements in this identity theft affidavit may subject me to the penalties of purjury. 
XXXX XXXX XXXX
Consumer complaint received 2024-07-26
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)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-07-26
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (NE)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-07-26
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

We have been a Wells Fargo customer since 2018 but have had consistent issues with surprise overdraft fees. We NEVER OPT IN for overdraft protection yet, Wells Fargo continuously authorizes point of sale transactions that ultimately result in a notice the following morning of insufficient fund charges. To make matters worse, the transactions are usually less than {$10.00} but we are charge {$35.00} for each transaction. This starts a domino effect so more overdrafts and fees follow. If the funds are not available at the point of sale, Wells Fargo shouldnt authorize the charges. Authorized charges should reflect in a reduction in the available funds balance. I am XXXX and living on a limited income. I receive enough XXXXI that I should be able to pay my bills yet, because of these surprise overdrafts, each month, I seem to have a negative account balance that exceeds {$300.00} plus. This reduces my monthly XXXX direct substantially leaving me in dire financial straights.
Consumer complaint received 2024-07-26
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 XXXX  XXXX 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 XX/XX/2023 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 2024-07-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I am writing to delete the following information from my file. The items i deleted are listed in the report I am a big team of identity theft and i did not make the charge. I reported the theft of my identity to the federal trade commission and i also have enclosed copies of the federal tray, commission identity, theft, affidavit. please delete this items as soon as possible.