davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bay Equity LLC (MA)

So Im supposed to be closing on a A mortgage with Bay Equity LLC, but the underwriter is giving me a problem saying I have active disputes on my credit report which I do not. I called all three reporting agencies to have such disputes removed. All three credit reporting agencies said there are no active dispute or dispute comments, XXXX XXXX services that Bay equity uses is reporting Inaccurate information, causing me delays and possibly not able to close
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

The following inquiries and public records currently listed on my Equifax credit report is fraudulent, unauthorized and not my inquiries or public record : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-16
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)

I received a copy of my credit reports and am writing to dispute the following information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I am writing to formally request your immediate compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681n. This section addresses the liability of credit reporting agencies for willful noncompliance with the FCRA 's requirements.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. 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. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2023-04-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MI)

I Contacted Chime Bank on XX/XX/2023 after I noticed 3 charges in my transactions that I did not initiate or authorize. I informed Chime that I did not recognize or authorize these transactions and also informed that I had misplaced my card at some point. I reported the three transactions for dispute and cancelled my debit card, then ordered a new one. Chime informed me that they would investigate the matter and I was eligible to receive a provisional credit and would by XX/XX/2023 if they were unable to resolve the dispute. 

I then received an email on XX/XX/2023, informing me that Chime concluded no error had been made and the claim was denied. I would also be able to request the documentation Chime used to determine this outcome. 

I requested the documentation and was informed that I would receive the documentation within 10 business days. I still have not received the documentation! 

After the initial claim was denied, I reached out to one of the vendors in regards to the charges. I informed the vendor that I did not authorize the charges and would like a refund. The vendor apologized and then informed me that I would need to contact my bank for a refund. I took screenshots of the chat transcript and contacted Chime. 

On XX/XX/2023 Chime bank informed me that I could submit a rebuttal for the denied claim and email any supporting documentation. I emailed Chime and attached the screenshots indicating I reached out to the vendor and I forwarded the email from the vendor and submitted my rebuttal. I was then told Im still eligible for a provisional credit. 

On XX/XX/XXXX, I received an email from Chime informing me that the claim was denied. I informed chime that I had submitted a rebuttal and I requested documentation from the first claim. I called Chime XX/XX/2023 and was informed that the rebuttal claim was denied. I then called Chime on XX/XX/2023 to submit a second rebuttal and asked Chime to remove one of the three charges from the claim because the amount was small ( {$30.00} ) and I would deal with the two remaining charges. I was informed that I was still eligible for a provisional credit by XX/XX/2023. 

On XX/XX/2023 I received an email from Chime stating that I had withdrawn my claim. I called Chime and my call was escalated to a supervisor on the dispute team. I informed him that I still hadnt received paperwork from the first claim back in XXXX and that I didnt withdraw my claim. The supervisor then informed me that he would escalate the issue and ask for more information. I then emailed chime on XX/XX/2023 and requested for them to send me call logs from all conversations to indicate I had chosen to do withdrawal my claim. 

Chime needs to do better and hold themselves acceptable to the deadlines they establish and deliver on promises they have in writing. There is no reason I have no obtained the supporting documentation used to determine the outcome of my claims.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I am writing to formally dispute the inaccurate information that continues to appear on my credit report. Despite multiple attempts to resolve this matter, including sending previous dispute letters to the credit bureaus, I have yet to receive satisfactory feedback or resolution. 

The personal information in question are not mine, and I request that you remove these erroneous items from my credit report immediately. I have already sent the necessary documentation, including a copy of my ID/DL and proof of address, through USPS to verify my identity. The information on those documents matches only my personal details, and the disputed accounts are not associated with me. 

Please take immediate action to correct this issue. I expect this matter to be resolved promptly and will appreciate confirmation once the inaccurate information has been removed. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-09-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MD)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Cosumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-10-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (IL)

This is in regards to an XXXX XXXXXXXX XXXX  I had a few years back, NO ATTEMPT on their part was to get payments, although at that time I was making payments, so years went by and I heard nothing more, Now I receive a Collection notice letter dated XX/XX/year> regarding this debt in which the amount owed is incorrect and this collection agency REFUSES to work with me. 

So after all these Years, why is this in collection when at that time years ago I contacted XXXX XXXX XXXX, again REFUSED to Correct anything or information that is wrong Now this Jefferson Capital systems , LLC has this account in which I did not know this until now. After looking at the number of Complaints with this agency, and theres ALOT, anything from intimidation tactics, reporting false information, refuses to work with clients, and so on.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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 2023-06-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Corporation (SC)

Receivable mgmt Corp is a company that is committing fraud. I have asked several timenumerous times for this company to submit documentation for this XXXX. I was advised for the first 2 years up until 1 month ago it was for a different name and I confirmed it was not me so it was disputed as fraud which was correct. Until one month ago I was told it was for my son who I have confirmed it was not true because he had two insurance that was presented and I have not received no other bills for. I I also request for a HIPPA  release because this company is very much in violation and I have not sign anything for release. I was advised that nothing can be sent for this dos as proof for anything. This company and changed their stories twice. We are at the back door of a lawsuit. If the records are reviewed you will see up until last month I was either told I had nothing there or the account belong to me and the dos given was incorrect and the name was wrong. I will not stop. I want this off my credit for incorrect reporting. It is wrong. I will not stop until I exposed rec mgmt Corp. I work hard for my credit and I will not have a negative reflection from a company that I didnt earn. I will NOT PAY NOTHING TO THIS COMPANY and will be request more than {$820.00} in court for violation ( HIPPA ) and stress.
Consumer complaint received 2024-09-16
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 writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-11-01
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. (MD)

Ive been trying to get my late payments removed from my XXXX, XXXX, XXXX and XXXX XXXX Advantage cards for months. I keep getting the run around and my score keeps suffering from this misuse. Its getting bad to the point that this is impacting my JOB ; my employment status. Guess what, no job, no one gets money because I would have to file bankruptcy.

15 U.S. Code 1666b - Timing of payments ( 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.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2024-10-25
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Taproot Financial, LLC (WA)

On XX/XX/scrub>XXXX  I sent a copy of a refinance offer I was provided by a different bank and asked XXXX XXXX XXXX XXXX at Sage Home Loans whether they could match the refinance offer I had received. XXXX said that they could match it and sent back a loan estimate that *did not match* the offer from the other bank. He implied that additional lender credits would be provided at closing, which were never provided. XXXX failed to reveal that no further lender credit would be available until a few days before closing when it was too late to move to another bank because mortgage rates had already started rising again. In the end the difference between the offer I received from the first bank and Sage Home Loans final offer was more than {$1500.00}.
Consumer complaint received 2024-09-16
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. (NY)

" 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 TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"