davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

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 2023-06-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : Request for 1099 for Charge Off Dear Sir/Madam, I am writing to request a copy of the 1099 form that your company issued in regards to the charge-off on my account. My account was charged off XX/XX/2023, and I am preparing my tax returns for the year. To ensure accurate reporting, I must include the amount of the charge off in my tax returns. 

As your company charged off my account, I recognize that your company must have reported the amount charged off as income to the IRS. Therefore, I would appreciate it if you could provide me with a copy of the 1099 form issued by your company for the period referred to above.

Please send me a copy of the 1099 form at your earliest convenience to the address provided above. Please notify me if there are any fees associated with providing me with this form. If you require any further information from me, please let me know. 

I look forward to your prompt response and resolution of this matter. 

Thank you. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

XXXX and Equifax have my wrong name and accounts on my credit report thats mixed up with someone else I mailed in proof of identity my life, Social Security card and utility bill. It still is not corrected. I need my credit report to be accurate in true. 
My only name is XXXX XXXX My only address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-10
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. (OK)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.
Consumer complaint received 2024-07-10
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. (MS)

On XX/XX/year>, I filed my 1st complaint ( Complaint ID XXXX ) with the CFPB stating the accounts on my credit report with the laws EQUIFAX has violated. 
On XX/XX/year>, EQUIFAX responded with a VERIFIED AND ACCURATE response to my 1 st complaint. Confirmation Number : XXXX On XX/XX/year>, I initiated my 2nd complaint with the CFPB ( Complaint ID XXXX ) asking EQUIFAX to send me their METHOD OF VERIFICATION used to deliver a VERIFIED AND ACCURATE response to my 1 ST complaint with the CFPB. 
On XX/XX/year>, EQUIFAX responded again with a VERIFIED AND ACCURATE response to my 2nd CFPB complaint. Confirmation Number : XXXX EQUIFAX why have you not followed procedure in providing me with the original contract proving these accounts belong to me??? 

Furthermore, EQUIFAX you are in violation of Section 607 ( b ) of the FCRA, 15 U.S.C. 1681e ( b ), requires that [ w ] henever a [ C ] onsumer [ R ] eporting [ A ] gency prepares a [ C ] onsumer [ R ] eport it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

The reporting of these accounts are inaccurate. 

Provide me with your METHOD OF VERIFICATION or delete these accounts ASAP
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-10
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. (MD)

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 you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX  XXXX XXXX Account Number XXXX XXXXXXXX
Consumer complaint received 2024-07-10
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Fairway Independent Mortgage Corporation (GA)

On XX/XX/year>, I applied for a mortgage with Fairway Mortgage at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The mortgage broker was XXXX XXXX. XXXX was assisted by XXXX XXXX. The purchase of the home was {$360000.00}. The loan was approved and the purchase process began. By the end of the transaction we loss {$150000.00} due to Fairway sharing personal and financial information with a scammer. 

On XX/XX/year>, we began receiving emails from what appeared to be our closing attorney requesting we send the funds for our down payment for cash to close. The email account had been mirrored from our real closing attorney 's office but was apparently a fake account. In the process of the exchange we received wiring instructions with our closing attorney 's, address, account number, and concerning phone numbers. I reached out to XXXX XXXX XXXX  via email with concerns about the phone number and if the instructions were legitimate. On XX/XX/year>, I received a response from XXXX regarding my concerns with the wiring instructions. XXXX responded : '' My guess on the phone number discrepancy is that one is their toll-free number and one is the direct ''. ( We were looking for help. Not a guess. ) Two wires were sent after this email. The wires totaled the amount of {$150000.00}. 

On XX/XX/year>, I received word that our funds had not been received by the closing attorney. At this time we were informed that we had been scammed out of the {$150000.00}. I immediately reached out to the mortgage broker who asked for the emails from the scammers. He immediately informed us that the email addresses the scammers were using were not Fairway mortgages and that none of the emails had been received by him or XXXX. The mortgage broker claimed that no one at Fairway had any communications with the scammers. 

Upon further investigation it was confirmed that XXXX XXXX did in fact answer the email I sent questioning the legitimacy of the wire information. ( With a guess ) Later I was able to gain access to emails showing that Fairway had been communicating with the scammers without us being included in the emails. ( An honest Fairway employee provided those emails ) This after being told that Fairway had no communication with the scammers at all. In all dealing with Fairway caused my family to lose {$150000.00}.
Consumer complaint received 2024-07-10
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. (VA)

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX XXXX XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$7300.00}
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-09-23
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. (IN)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2024-07-10
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. (NE)

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX 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 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 that are reported 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. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-07-10
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/year>
Consumer complaint received 2024-07-10
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)

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL (NY)

I do have a Synchrony XXXX XXXX XXXX with limit of {$10000.00} since 2021.Today XXXX at XXXX XXXX, received email from them that my credit card limit of {$10000.00} reduced to {$250.00} and reason is on basis of my credit score of XXXX XXXX obtained from XXXX. I attached that letter with this complaint. I did call Synchrony XXXX XXXX XXXX at XXXX today XX/XX/2024 and spoke with XXXX XXXX than her Supervisor XXXX XXXX and then he transfers to Manager XXXX XXXX from XXXX XXXX to XXXX EST. Its surprised me when XXXX  person XXXX XXXX, with whom I spoke with her told me that she going to transfer to Credit Resolution Team Supervisor. But before she transfers the line, she said that she put the request to do adverse credit check and before I reply she transfer the line. When XXXX XXXX come online and when I ask him if he is Supervisor from Credit Resolution Team Supervisor, he said No, he is just Supervisor above XXXX XXXX. When I asked what XXXX XXXX said to me about Adverse credit check request, he replied that yes, she put the request for me. So, I replied to him that I did not ask for it. So, he replied to me that he will remove it, but he did not remove it when I asked later to his boss Manager XXXX XXXX ' When he transfers to his Manager XXXX XXXX, she said that nothing can be remove until she listens the tape conversation and then she decides. 

Look like without my permission and authorization, XXXX XXXX put the request for Adverse credit check even same day that bank reduced my credit card limit from {$10000.00} to {$25000.00} only.
Consumer complaint received 2024-07-07
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 (CA)

On XX/XX/XXXX I purchased a gift card from gift cards.com on the XXXX XXXX website. XX/XX/XXXX it was declined at XXXX XXXX station on XXXX XXXX in XXXX XX/XX/XXXX. On XX/XX/XXXX I called XX/XX/XXXX to inform them the gift is not working I was told it was due to I did not set up pin. After setting up pin gift card still did not work. I panicked when I saw the charge and no use of gift card. 
XXXX ) I askedXX/XX/XXXXXXXX can you refund they stated the bank had a back charge. 

XXXX ) Synchrony bank tells me to call XXXX and tell them to write a letter that the card has been closed? Outside of serious language barriers and going back and forth between the two Fraud is being committed. I want a refond
Consumer complaint received 2024-06-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: WESBANCO BANK, INC. (OH)

On XX/XX/XXXX, I received a call from a Wesbanco employee that they were taking our advances out of the wrong account. This increased our loan amount by over {$15000.00} because all those wrong postings were posted in one day. Since the increase in our loan amount, our payment increased. I called and spoke to someone in XXXX of XXXX and XX/XX/XXXX about how this large of an increase would take us a few months to get caught up. I was told on both calls that we would be given some grace because of their error. I didn't realize that they were marked 30 days late for those two payments until we went to refinance. I immediately filed a dispute because I was specifically told that they would be willing to work with us. Those two months I called and let them know the date that the payment would be made, and I was told that it was documented in the computer. Each of those payments were made by those new terms we verbally agreed to. Then during that dispute, Wesbanco marked us 30 days late for XX/XX/XXXX when that payment was made within the 30 days. I was in the middle of disputing that as well, when they marked us 30 days late for XX/XX/XXXX, when it was also made within 30 days. I understand that two of those payments were late, but they were more than willing to make arrangements because of their error of taking it out of the wrong account. Had we known they were going to mark us 30 days late, we would have found a way to make the payment within that time frame and refinanced. We were told by an employee that the terms were modified for that special circumstance. Then to outright mark us late when we were within terms is fraud. I believe that Wesbanco is retaliating against us for filing a dispute and forcing us not to refinance so they can have that high interest rate.
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

XXXXAssignment of debt letter from third party debt collector XXXX XXXX XXXX XXXX assigned debt from Navy Federal Credit Union acct XXXX XXXX XXXX-Sent XXXX XXXX XXXX XXXX Debt Validation Dispute via usps return receipt requested XXXX 

XXXX-Retained counsel who sent XXXX XXXX XXXX  debt collector to cease all communication with myself and to only communicate through HELPS LAW FIRM. 

XXXX-Credit Bureaus XXXX, XXXX and XXXX reporting incorrect information . Sent Original Creditor Navy Federal Credit Union notice of reporting errors and requested they investigate and correct errors. 

XXXX XXXX, XXXX and XXXX all three credit bureau 's first dispute letter informing credit bureaus were reporting innacuracies . Request investigation. 

XXXX XXXX, XXXX and XXXX 2nd dispute letter requesting investigation into wrong information across all three credit reports. 

XXXXXXXXSent third and final dispute letter to XXXX, XXXX and XXXX disputing continued false information on my credit reports. 

XXXXawaiting word on.third dispute request from XXXX, XXXX and XXXX while they continue to report false information after indicating all three bureaus found no innacuracies yet at the same time added several more false and innacurate data per the first two dispute resolution notifications to me.