davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-18
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: FB FINANCIAL CORPORATION (CO)

On XX/XX/XXXX I received a notice that my payment would increase from {$1100.00} to {$1200.00} due to escrow shortage. On XX/XX/XXXX pmt of {$1200.00} was sent by my bank through auto bill process. I made the change to the correct amount but failed to press the button for that amount to continue. OnXXXX my bank sent a payment of {$1100.00}. On XX/XX/XXXX I was notified by mortgage company of shortage of {$93.00} which was sent on XX/XX/XXXX. On XX/XX/XXXX payment of {$1200.00} was sent. On XX/XX/XXXX received a Statement showing no transactions for period and that my payment of {$1200.00} is in arrears. I believe this amount has combined the {$1200.00} plus the {$93.00} I sent on XX/XX/XXXX which an incorrect amount. Letter sent to me regarding late payments by Loss Mitigation Department indicating past due amount of {$1400.00} along with information about how to avoid foreclosure. On XX/XX/XXXX I called XXXX XXXX and the robot informed me that I am past due by {$1400.00}. Spoke to agent XXXX and was told that he didnt see any past due amount and no record of reporting to credit reporting agencies. This phone call was three way including XXXX from my bank acknowledging that all payments had been sent by them with no lapses. I had been informed by my bank that my XXXX score had dropped by XXXX points. XXXX transferred me to XXXX who said the past due was in error and she would escalate it to be corrected and it would take four days but no notice would be sent to me by them regarding that fix. On XX/XX/XXXX I received a letter from them in response to my inquiry as to the owner of our loan. After sending payments to them for years and spending countless hours on the phone I was well aware of who the mortgage company is. On XX/XX/XXXX I called again to see if problem has been resolved. It wasnt. Spoke to XXXX at XXXX MT and after researching she said she found what was causing the problem and would escalate it to be fixed. Again. She said it would take five days for payments to be fixed and 30 days to notify credit reporting agencies. On XX/XX/XXXX ( 9days later ) I received a statement showing {$1200.00} as past due and current payment of {$1200.00} for a total due of {$2400.00}. On XX/XX/XXXX a letter was sent to me outlining my legal rights to avoid foreclosure Under the SCRA. I have spent too many hours and placed too many phone calls without any success. It is my hope that this complaint will make that happen.
Consumer complaint received 2019-12-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (CO)

On Tuesday, XX/XX/2019 at XXXX XXXX, I attempted to deposit 3 checks totaling {$2500.00} into my checking account at US Bank at their ATM machine at XXXX XXXX XXXX, XXXX, CO XXXX. The ATM machine took my debit card and the checks, but never completed the transaction. The machine shut down, then restarted, but did not return my card or checks. The bank was not open, so I contacted a representative of US Bank by phone and gave her my information. She was going to open a dispute for me. I was advised to contact the bank when they opened at XXXX. I contacted the bank on Wednesday, XX/XX/XXXX, and was told by a bank manager that the ATM machine was opened weekly on Thursday afternoons. He said he would contact me and return my card when the machine was serviced. I was told I could not re-deposit the checks because they had been in the machine, but would be given provisional credit for the deposit. I received a call late Thursday afternoon, XX/XX/XXXX that my card had been retrieved, and I could stop by the bank and pick it up. I went to the bank on Friday afternoon, XX/XX/XXXX and was given my card. The bank representative who returned my card, XXXX XXXX, told me they had my checks and I should be receiving credit on Monday or Tuesday, XX/XX/XXXX or XXXX. I left a voice mail on Tuesday, XX/XX/XXXX when I had not received credit for the deposit or any communication from US Bank. My call was not returned by Thursday afternoon, XX/XX/XXXX so I went to the bank and spoke to XXXX. She assured me that someone was working on my dispute, but she contacted someone in the online banking department who told her my dispute was rejected. She was very apologetic and says this has never taken this long, but that someone would call me on Friday, XX/XX/XXXX to get more information. I have yet to be contacted and have not received credit for the deposit.
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 : XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX  Balance : {$4400.00}
Consumer complaint received 2024-08-01
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. (FL)

Dear CFPB, I am writing to formally dispute several unauthorized hard inquiries on my credit report with Equifax. This dispute is filed under the Fair Credit Reporting Act ( FCRA ) Sections 611, 609, and 603. I have reviewed my credit report and found numerous hard inquiries that I did not authorize and have no knowledge of. 

Details of Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Relevant Information : FTC Report Number : XXXX Identity Theft Report : Attached I am a victim of identity theft, as indicated in the attached Identity Theft Report filed with the Federal Trade Commission ( FTC ). According to FCRA Section 611, I have the right to dispute information in my credit report that I believe is inaccurate or incomplete. Section 609 grants me the right to request all information in my file, including the sources of the information. Section 603 defines the permissible purposes for which a consumer reporting agency may furnish a consumer report. 

These inquiries have had a significant negative impact on my credit score and overall financial health. As a result, I demand that Equifax immediately remove these unauthorized hard inquiries from my credit report.
Consumer complaint received 2024-08-01
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)

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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 it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b. 


Also 18 US code 8 states that the obligation of this day is already paid for by the United States. 12 CFR PART 1026.11 ( a ) This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Consumer complaint received 2019-12-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

I have held accounts for over 20 years at both Chase Bank and XXXX XXXX XXXX Bank ( hereinafter " XXXX '' ). I am a well established, reliable customer of each with no problems in my history. 
On XX/XX/2019, I made a principal payment to my Chase mortgage in the amount of {$40000.00}. My check was drawn on my XXXX checking account, where sufficient funds were on deposit and fully available. Chase applied payment to my mortgage balance and it appeared the transaction was complete and clear. 
However, on XX/XX/2019 XXXX notified me that my check had been returned to Chase unpaid. On XX/XX/2019, Chase notified me the same, and reversed the amount credited to my mortgage account. 
I called XXXX first to ask the reason for the check being returned. After some research, XXXX advised me that the check was returned becauseChase did not endorse it on the back. Through XXXXwebsite I looked at the check image and saw that XXXX was correct : it had not been endorsed by Chase. 
I then called Chase to inquire. The initial representative could not answer my questions, so she passed me to XXXX in the Escalation Unit. It took a long time for XXXX to get back with me, possibly because of holiday season time off. On XX/XX/XXXX, I was finally able to get an answer from one of XXXX 's colleagues, XXXX. XXXX informed me of three things:1. My physical check was destroyed shortly after it was imaged at the bank, so it could not be presented again for payment.2. I would need to present another check to a Chase branch location, or find another way to make payment.3. Chase would not credit my payment as of XX/XX/XXXX, nor would they credit the interest charged on my mortgage for the past month. In other words, I would suffer financial loss for Chase 's mistake. 
Following that conversation, I drove to a local Chase branch to attempt another payment of the {$40000.00}. I asked the teller to make sure this check was endorsed before scanning it. The teller said her training was to NOT endorse checks such as mine, so she could not do so. Knowing that if I were to deposit another check, it would suffer the same treatment, I took my check back and went home. 
My Chase mortgage carries an interest rate of 5 %, so as of XX/XX/XXXX Chase has wrongly charged me approximately {$160.00} in interest. Interest wrongly charged continues to increase each day by approximately {$5.00}.
Consumer complaint received 2024-08-01
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)

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 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

I want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.
Consumer complaint received 2024-08-01
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. (MN)

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Charge Off : XXXX XXXX XXXX {$4000.00} Inquiries : XXXX XX/XX/year>
Consumer complaint received 2024-08-01
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. (MD)

I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. These unauthorized inquiries mentioned below were created through identity theft.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

It is crucial to note that I did not give permission for these accounts, and their presence is causing me XXXX  XXXX. I kindly request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your prompt attention and resolution of this matter are sincerely appreciated.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 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 2024-08-01
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)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX OPENED XX/XX/2024 {$590.00}, has violated my rights. 

I looked at my credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-01
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. (MI)

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 2024-08-01
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. (NV)

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.

I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX-XXXX-XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX  Account Number XXXX  XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX Account XXXX  XXXX XXXX XXXX XXXX. XXXX Account XXXX XXXX  XXXX  XXXX  XXXX XXXX. XXXX Account XXXX XXXX  XXXX  XXXX  XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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.