davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NH)

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 2023-12-17
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. (NJ)

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX, # XXXX.
Consumer complaint received 2024-05-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY (TX)

XX/XX/2024 I contacted WF to get into a payment plan and ended up arguing with a XXXX whom refused to take my info and offer me a payment plan, because I crought up her lies about previous violations, they decided to focus on that when this XXXX was already addressed! while XXXX was aware, he twisted and turned my request into to something else other than offering a payment plan. WF still sitting on this since XX/XX/2024 and refused to offer or provide a payment plan. I called in XXXX after speaking with XXXX whom they claimed they terminated but failed to proceed to assist me. XXXX violated my right and refused to assist me, argued with my and made derogatory comments about me not being educated and WF discriminated against me for a payment plan and ignored the fact as to why I even called XXXX XXXX! WF intent is to buy time to set me Up for foreclosure by month end of XXXX, Now that I am 90 days past due, they have done absolutely nothing, offered no program for repayment at all and refused to assist me on this. They made up XXXX to throw the request off. They have violated my rights as I have a FHA loan, and must provide assistance as they have not provided assistance. This request was XX/XX/XXXX and IM still WAITING for an answer and they are still sitting on it since I reach XXXX to set up foreclosure. ISSUE WAS KNOW acknowledged at all. Bringing up the past has nothing to do with my request on XX/XX/2024. They can call me names and call me uneducated and refuse to offer assistance while Im going thru hardship is truly a VIOLATION
Consumer complaint received 2023-11-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc (MI)

XX/XX/2023 Venmo froze my account and requested that I send in my identification. I uploaded my State identification and Social Security card as requested. On XX/XX/2023 I received an email that my account has permanently been suspended.
Consumer complaint received 2024-05-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Net Pay Advance, Inc. (TN)

I have received multiple text messages that say they are from someone with Net Pay Advance. " It's XXXX with New Pay Advance. You have a past due balance of {$180.00}. When will the funds be available to process this payment? We can take a small payment today for {$30.00} and set up a payment plan for the rest. Let me know ASAP in order to stop the collection process reply for my help. Visit : XXXX. '' Also, " it's XXXX with Net Pay Advance. Is this a good time to talk about a payment plan? We're here for you. Let 's find a solution for your past-due balance and avoid further collection activity today! Just reply for our assistance or visit us at https : XXXXnetpayadvance.com? Easy-Access? XXXX. '' I also received a phone call from someone claiming to be from Net Pay Advance. When they asked about my loan, I told them I did not have a loan with them. They said it might be fraud and I should give them the last 4 digits of my SS # so they could take care of it. I asked them what the last 4 digits were of the SS # they had on file and they told me they could not verify that information. I told them I thought they were the ones committing the fraud. 

I do not have any loans with Net Pay Advance.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

Looking at my credit file I've noticed inaccurate data reporting on my report. and I'm demanding that these accounts be blocked immediately. 

1 ) XXXX XXXX {$150.00} 2 ) XXXX XXXX {$550.00}
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

On XX/XX/year>, I filed a complaint with Equifax credit agency for the reinvestigation of accounts being reported on my credit report. I have asked for the supporting documents that are being used to to support the misinformation. I am in total absolute debrief with the way the credit agency has mishandled my credit. Said account : XXXX XXXX ; is reporting inaccurate and false information on my report. According to 15 USC 168i 5 they are supposed to do the proper research, ( 5 ) treatment of inaccurate and unverifiable information, ( a ) in general if after any re-investigation 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 remove/delete all those items. This account is reporting all different inaccurate opening dates across all agencies.
Consumer complaint received 2024-07-23
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)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (TN)

Hired XXXX XXXX XXXX XXXX XXXX  to do a project. 
They suggested using Synchrony Bank 's credit card to finance the project. 
I applied and was approved for the credit card. 

On XX/XX/year> Synchrony had me sign a contract for the project 's {$16000.00} with the term " Your card will not be charged until the project is complete ''. 
See page 2 of Appendix A - Synchrony Sales Slip XXXX Reviewing my XXXX Synchrony credit card statement, XX/XX/year> I was billed for {$16000.00} ( even though the project had not started ). 
See Appendix B - Synchrony XXXX Statement I called XXXX XXXX XXXXXXXX XXXX XXXX to complain, they did not return my call. 

They started the project. As we watched the work, we noticed many low quality issues. After bringing them up with the company they became aggressive toward us. 

We then had a 3rd party HVAC company come out and document a series of issues with the system. 
See Appendix C - 3rd Party System Inspection - XXXX We filed a chargeback with Synchrony Bank for 2 reasons 1 ) Terms said " Your card will not be charged until the project is complete '' Project is NOT complete ( 3rd party verified ).

2 ) Company is using aggression and intimidation to try and pressure us to accept low quality work. 

Synchrony Bank has rejected the chargeback stating we should accept XXXX 's word that the system is delivered and high quality ( refuted by 3rd party HVAC company, on company letterhead, that system is not delivered or acceptable quality ) Synchrony Bank is violating their terms by allowing a charge when " Your card will not be charged until the project is complete '' Project is NOT complete ( 3rd party verified )
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. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any accounts that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these accounts being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following accounts that you must remove are listed below : 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
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NJ)

Recently I looked over a copy of my consumer report in which I've noticed several accounts reporting that have no knowledge of. The account and information motion listed in my dispute letter either doesn't belong to me or is inaccurate information. I asked Equifax to investigate these accounts to insure that everything is accurate in which they aren't. The creditors listed in my dispute letter have no permission to purchase my personal information nor did they have the consent from me to report anything. I am aware that I have a right to privacy in which that right was violated. How can I owe a debt to these creditors if there is no actual agreements between us? In order for any account to be reported on my consumer report they must have my consent. I understand that it is Equifax job to thoroughly investigate these accounts and do what's fair and equitable for me. These negative accounts are impairing my ability to obtain the essential necessities that I need for the daily living. Violations committed by Equifax and the creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (PA)

I am writing about the ongoing issue of fraudulent items in my credit file. 
Moreover, I am seeking the assistance from you to ensure that this matter is handled appropriately and expeditiously. The ongoing presence of these inaccuracies on my credit report has significantly impacted my ability to access credit, secure favorable loan terms, and pursue other financial opportunities essential for my financial stability. I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the items from my credit report. Failure to do so will compel me to escalate this complaint further with you and seek legal recourse to protect my rights as a consumer. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXXXXXX XXXX Balance Owed : {$2800.00} XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX.
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. (TX)

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (FL)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (NY)

Aidadvantage did not process my income driven repayment plan ; it has been 11 months since I applied. They then charged me interest when it was an administrative issue on their end. I was told during this whole process by two different employees of theirs that I would not be charged interest. My account interest has increased by {$4000.00} since I have been waiting for approval of my repayment plan.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (SC)

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 2024-07-02
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 XXXX XXXX XXXX XXXX  XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX 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 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 2022-02-08
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: V and H Portfolio (MD)

I've attempted numerous times to get this account taken care of. Its past the XXXX, it's reporting incorrectly and needs to be deleted immediately. You guys are on a recorded call violating all types of laws and I am not going to stop disputing this inaccurate and unverifiable account. Please send the Archive File. Do not respond in any way other than through this CFPB portal. If you respond in ANY way other than through here, I will consider that harassment. Also, while the tradeline is under investigation, it needs to be deleted. Please do so. TIA
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

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 2024-07-03
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. (SD)

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Consumer complaint received 2022-02-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc. (VA)

I had been getting debt collection letters multiple times regarding toll violation, and im sure i did not made violation. I received the first letter on XX/XX/XXXX for {$410.00} ( i paid this not knowing this is a fraud ), i received the second letter on XX/XX/XXXX for another {$140.00}.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MD)

I am filing a complaint regarding Equifax 's inaccurate reporting.The reporting account details differ significantly between both Equifax and XXXX, XXXX variations in account type, payment status, and inconsistent dates. The reported date of last payment also varies between agencies. The date of last payment reads XX/XX/year> but the payment history reads " OK '' on dates after. Equifax reports the account status as " XXXX '' consistently, which contradicts XXXX 's derogatory status. 
The account is reported as " Collection/Chargeoff, '' suggesting different stages of delinquency or debt resolution that do not align with the true status of the account. 

Despite attempts, Equifax has failed to correct this error, which is negatively impacting my credit report and financial standing.This incomplete and misinformation has significant implications for my credit report and financial standing. I request your assistance in resolving this matter promptly.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I am asking for your help with the misreported account on my credit report, which has been detrimental to my reputation. The mistakes in handling my credit report have caused me significant hardship, and I need your help to address this matter. It is essential to clear these mistakes for the sake of my family 's well-being.