davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
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 review my consumer report and I noticed that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have the responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that I have provided screenshots for in the complaint on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided I demand that these payments be updated to paid as agreed on time as they should be due to the fact that I was never late. Thank you! Please see the screenshot attached :
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

My account with ( XXXX XXXX, XXXX ) 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 in ( XXXX XXXX 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 XXXX  days before the payment due date. 


( XXXX XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  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 2024-07-08
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. (NC)

RE : DEMAND TO COMPLY ; Your Company Violated the United States Code Law You are Seriously Violating the United States Code Law and Ruining My Life & My Reputation, as a Natural Person. Your company is continuously reporting Inaccurate and False Information that is Misleading.

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, UNVERIFABLE and INVALIDATED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-10-04
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: Mr. Cooper Group Inc. (MN)

My credit history has been marked with several missed payments ( every month ending with a XXXX since XX/XX/year> ). 

My bank records and the lenders payment records show no missed payments. The lender refuses to fix the error, even when presented with documentation.
Consumer complaint received 2024-08-15
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Better Mortgage, Inc. (FL)

We used Better Mortgage to purchase our home that closed on XX/XX/year>. On XX/XX/XXXX, after receiving the XXXX loan package request from Better Mortgage to sign, I asked their agent XXXX XXXX whether or not the XXXX package containing our personal data with be shared with XXXX XXXX XXXX. I requested her to limit the exposure of our personal data and redact some data. On XX/XX/XXXX, XXXX said her closing team confirmed only the XXXX XXXX  will be shared with XXXX XXXX  XXXX XXXX XXXX form of XXXX XXXX XXXX containing our SSNs that need to be wet signed at closing table. See email communication in attachment # XXXX. We were okay with the answer then proceeded with the closing. 

During the XXXX XXXX on XX/XX/XXXX, I sent a message to Betters closing team using their XXXX XXXX but it indicated the message was shared with XXXX XXXX. I then asked XXXX if our personal data were breached. She replied and confirmed again that only the XXXX XXXX  was shared with XXXX. See email communication in attachment # XXXX. 

A month later, we found out that XXXX XXXX had posted all closing documents onto our customer portal, XXXX of which is the XXXX package containing our non-public personal data including mine and my wifes FULL SSNs, Birthdays, Bank Account numbers, Employment and Salary information. I wrote to Better Mortgage on XX/XX/XXXX to express our concerns. It took them over XXXX weeks to respond and again they denied there were no data breach and that the XXXX package was NOT shared with XXXX XXXX. See email communication in attachment # XXXX. XXXX XXXX XXXX responded with the following comments : Although the XXXXXXXX  and XXXX XXXX XXXX are available in the XXXX portal, records do not support that the settlement agent accessed the XXXX XXXX 

Attachments # XXXX through # XXXX are proofs from XXXX Title showing Better Mortgage sent them Specific Closing Instructions and link to download both the XXXX AND XXXX packages. Attachment # XXXX shows they enclosed our FULL Loan Application, forms XXXX and XXXX which are all part of the XXXX package containing our XXXX data. They instructed XXXX to scan and uploaded the entire loan packages onto XXXX XXXX in order to fund the closing. 

Better Mortgage lied to us on XXXX separate occasions about mishandling our XXXX  data. They deceived us into continuing the loan process by telling us they wont share our XXXX data with XXXX XXXX but they did. With their continuous dishonesty, we are very concern whether Better had shared or sold our XXXX data to anyone else.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (TX)

I'm a victim of identity theft my information was stolen from me years ago I had a few police reports on this matter over n over again for years my personal information is still being used til this day I never had any credit cards in my name before, I never own or lease a car not ever because I do n't drive at all, n I'm on XXXX n have been for years. I just want help protecting my information is all, I'm disputing everything that's on my credit report asap
Consumer complaint received 2024-09-14
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax for Improper Use of Credit Report Dear Sir/Madam, I am writing to formally file a complaint against Equifax for XXXX XXXXper handling of my credit report, which has occurred for the second time. Equifax has unjustly closed my positive credit card account XXXXXXXX XXXXXXXX that I have maintained for over a year. This has significantly impacted my creditworthiness and causing undue stress. 

This action has not only affected my credit score but has also triggered my XXXX XXXX XXXX XXXX, further exacerbating my XXXXXXXX XXXX  challenges. As a consumer, I expect credit reporting agencies to manage my information accurately and fairly, and Equifaxs actions have violated that expectation. 

It is important to note that my credit card account is reported to all three major credit bureaus, and my account with XXXX, XXXX remains unaffected. The discrepancies in reporting and the closing of my account by Equifax are unacceptable. I urge the CFPB to review the dates and the circumstances surrounding this issue. 

I request that the CFPB hold Equifax accountable for their actions and compel them to restore my closed account and rectify my credit report. I believe that restoring my account will not only improve my credit score but also alleviate the XXXX XXXX caused by this situation. 

Thank you for your attention to this critical matter. I look forward to your prompt response and action on this issue. 

Sincerely, The same account was reported to XXXX on the XX/XX/XXXX so when it got reported to Equifax on XX/XX/XXXX they closed it. Also on XXXX XXXX they removed it from my credit report.
Consumer complaint received 2024-08-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/year> I made an international wire transfer from my Wells Fargo Checking account to another checking account in XXXX XXXX XXXX ( XXXX ) for paying repairs at my rented property in XXXX, As Per Wells Fargo transfer Receipt money suppose to be delivered by XX/XX/year> but it never did. 

ON XX/XX/year>, XXXX I called to check why the money was not delivered Wells Fargo Stated that they need to verify my identity and i have to visit the branch so I walked to the branch the same day and submitted a copy of my passport & driver license. Wells Fargo Stated it will take 7-10 Business days for the transfer to be completed. 

Unit Now on XX/XX/year> The Money was never delivered Or refunded to my account I made several calls to their support and sent many emails and each agent tell me Something different like the money was delivered to the destination bank and when i ask The agent to provide the SWIFT MT103 document as proof so i can take it further with the receiving bank they state they will have to file a request to be approved and never get back to me I have been following up for almost 2 month and this costed me a delay penalty with the contractor who is carrying out the work in my Real Estate unit in XXXX Transfer Confirmation number XXXX
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I in fact paid on on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on any payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX - XX/XX/XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Consumer complaint received 2024-07-03
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)

To whom this may concern my name is XXXX XXXX XXXX XXXX, and I am writing this statement on my own behalf. The accounts listed in this report should not be listed on my personal consumer reports as they are in violation of the Federal Credit Reporting Act ( FCRA ) according to 15 USC Code 1681S-29 ( a ) ( 1 ) ( a ) & ( c ). Also, per FCRA 15 U.S Code 1681-B, it states that permissible purposes of consumer reports ( a ), in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I never gave the listed agencies my written/verbal consent or instructions to report anything on my personal credit reports, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer, I am demanding the deletion and removal of the listed accounts IMMEDIATELY.
Consumer complaint received 2024-07-01
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. (IN)

I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

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 2024-07-01
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 2023-03-10
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)

In XX/XX/XXXX, I called XXXXXXXX XXXX XXXX and enrolled my credit card in their Coronavirus Relief Program ( enrollment screenshot attached ). Enrolling in this program meant that I would not need to make a payment for two billing cycles. However, a late payment was reported in error to Experian regarding my XXXX XXXXXXXX XXXX credit card in XX/XX/XXXX. 

Ive disputed this late payment with XXXXXXXX XXXX XXXX and Experian multiple times in XXXX and XXXX. I sent my first dispute letter to Experian in XX/XX/XXXX. They investigated the dispute, but did not remove the late payment from my records. 

In XXXX of XXXX, I sent a dispute letter to XXXX XXXXXXXX XXXX and received a response dated XXXX XXXX ( response attached ). In their response, XXXX XXXXXXXX XXXX  stated that if I had an issue with how my account was being reported, that I could dispute the information directly with the consumer reporting agencies. 

I then mailed out more dispute letters to Experian in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( USPS signature receipts for last two disputes attached ). These disputes resulted in one credit bureau correcting the late payment error ( XXXX ), but Experian still shows the incorrect information. 

My partner was diagnosed with, and passed away from, having XXXX at the end of XXXX. So, needless to say, I was not focused on disputing this error further in XXXX. However, I am now trying to correct this false information once again via this complaint. 

I feel that it is immoral that XXXX XXXXXXXX XXXX offered enrollment in a relief program during one of the toughest times weve experienced in recent history, and they are not honoring the parameters of that program. I also believe that Experian is being negligent in their refusal to remove the late payment error. This incorrectly reported information has, and continues to, affect me negatively. This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report.
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AR)

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!