davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AZ)

I am filing a complaint regarding fraudulent activity on my credit report. After researching, I found that I need to file an identity theft report with the Federal Trade Commission ( FTC ) at https : //www.ftc.gov. According to FCRA Section 605B, Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Attached are the documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under FCRA Section 605B ( a ), Credit Reporting Agencies must remove any items identified as resulting from identity theft within four business days of receiving the report.
Consumer complaint received 2024-06-26
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. (NJ)

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (GA)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Dear CFPB, I am writing to file a complaint regarding inaccuracies in my credit report with the three major credit bureaus. Despite my efforts to resolve these matters directly with the respective creditors, the inaccuracies persist. 

Please find the details of my disputes below, along with the resolution I am seeking for each account : XXXX XXXX ( Account Number : XXXX ) Dispute Reason : This account is reporting a late payment for a period when the account was in deferment. I was not responsible for this late payment as the company assured me that the payment status would be updated to " paid on time '' due to their error. This correction has not been made. 
Resolution Requested : Please update the payment status to " paid on time. '' XXXX ( XXXX XXXX : XXXX XXXX ) Dispute Reason : I have no knowledge of any collection account with this company. The original creditor, XXXX XXXX, was paid in full prior to any collection activity. Therefore, this collection account should not appear on my credit report. 
Resolution Requested : Please delete this account from my credit report. 
XXXX XXXX XXXX ( Account Number : XXXX ) Dispute Reason : This account has been reporting inaccurately and I have disputed it multiple times. The balance continues to increase monthly, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ) as collections are not supposed to incur additional fees. Furthermore, no proper verification documentation has been provided by this company or the credit bureaus. 
Resolution Requested : Please delete this account from my credit report. 
I have attached copies of my identification and Power of Attorney ( POA ) for verification purposes. Your assistance in resolving these matters promptly would be greatly appreciated. Please confirm receipt of this complaint and provide me with an update on the actions taken to correct these inaccuracies. 

Thank you for your time and attention to this urgent matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-24
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, A Credit Card with XXXX XXXX XXXX Bank was opened in my name for a credit line of {$300.00}. I want this account removed from my credit profile immediately and effectively from all reporting credit bureaus.
Consumer complaint received 2024-06-21
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2024-08-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma (VA)

On XX/XX/XXXX I was hacked on XXXX XXXX for XXXX. I was alerted by Credit Karma that I had been hacked and encouraged to dispute the claim. I called and filed the dispute the same evening as directed by Credit Karma debit. I also requested a debit card because this account has been compromised. I have not received the card. Credit Karma doesnt advocate for its customers.
Consumer complaint received 2023-03-15
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. (TX)

According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personal, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information which directly conflicts Congressional purposes and reasonable procedures. Prove that I received a delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681 c-2 ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft these accounts must be removed and blocked
Consumer complaint received 2024-06-25
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. (TX)

After conducting a thorough investigation on my credit report, I was dismayed to discover unverifiable, invalidated, inaccurate, and questionable items that your agency failed to ensure were reported correctly. This has caused severe distress and emotional turmoil. 

In accordance with the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report be reported with 100 % accuracy. However, the accounts in question are in violation of FCRA regulations, specifically under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), which require complete accuracy in reporting. 

I have attached copies of all correspondence sent regarding this matter for your reference and further investigation. I urge your agency to rectify these errors promptly and ensure that my credit report reflects accurate and verified information as mandated by law.
Consumer complaint received 2024-06-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On Wednesday XX/XX/XXXX I deposited a {$26000.00} check and was given a deposit slip with a hold explanation which stated that {$5300.00} would be avilable on the XXXX of XXXX and the remainder would be available on the XXXX of XXXX. The next day my account stated that the entire check was being put on hold. The follow Tuesday I went to Bank of American the local branch and asked about the hold and was told they could get a reson why but it would be off hold status on the XXXX of XXXX. Friday the XXXX came and still the money was not available. I call Bank of America and they said " Oh it will be available tomorrow at XXXX. Well that's not the XXXX it the XXXX and I'm not even sure it will be available tomorrow morning! My nieces received basically the same check ( it's from life insurance ) and when they deposited it their bank account at XXXX XXXX  it was available 2 days later! Why? Why did the Government bail this piece of XXXX bank out in XXXX? With Taxpayer money!
Consumer complaint received 2024-06-25
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. (LA)

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 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CA)

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : Date of Birth : XXXX  Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX California XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-06-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  to my XXXX, my XXXX, my XXXX XXXX XXXX and to my XXXX 

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. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-07-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

As of XXXX, we were informed that I had been late on payments since 2018, I was not only dissapointed as I had not been getting any emails, also I was part of the XXXX email hack. SO I called and explained and my once XXXX credit score went to a XXXX. I was able to get the payments deferred while I tried to get new payment plan and get my loans taken care of. After finally getting the payment to XXXX and have been current since then which has been 3 payments now. I received a 40 point drop last week stating I have not been paying student loans. I tried contacting them and they said that they could do nothing but send a letter stating I was current. 
This has XXXX eveything up. I want my credit fixed.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello and good day! I want to let you know that I'm serious in this complaint, my rights as a consumer is being violated as there are discrepancies on my credit report that seriously needs attention. These inaccuracies are gravely holding back my abilities in achieving financial freedom and getting approved for new credit. This is absolutely frustrating and affecting my overall well-being negatively.
Consumer complaint received 2024-06-21
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)

NOTICE OF RIGHTS UNDER THE FAIR CREDIT REPORTING ACT To : Equifax, XXXX, and [ XXXX XXXX XXXX XXXX XXXX XXXX ] I, XXXX XXXX XXXX, hereby notify you that you are in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq.

As a consumer, I have the right to privacy and to control the sharing of my personal information. You, as consumer reporting agencies and a financial institution, have a legal obligation to respect my privacy and protect my nonpublic personal information ( 15 USC 6801 ).

You do not have my consent to furnish my consumer report or personal information to any third party. Any consent previously given, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked.

I was never informed of my right to exercise my nondisclosure option, as required by 15 USC 6802 ( b ) ( c ). Furthermore, you are reporting adverse information about me without my permission, in violation of 15 USC 1681c ( a ) ( 5 ).

You have a legal obligation to ensure the accuracy of the information you furnish to consumer reporting agencies ( 15 USC 1681s-2 ( A ) ( 1 ) ) and to maintain reasonable procedures to avoid violations of the FCRA ( 15 USC 1681e ). You are not meeting these obligations.

I hereby opt out of your reporting services, as is my right under 12 CFR 1016.7. I demand that you immediately cease furnishing my consumer report or personal information to any third party. 

Please confirm in writing within 10 days that you have complied with my request.
Consumer complaint received 2019-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My loan was transferred from XXXX XXXX to Specialized Loan Servicing ( SLS ) in XX/XX/2019. My contract with XXXX XXXX had me paying mortgage on the XXXX of each month with a 15 day grace. My last payment was made to XXXX XXXX on XX/XX/XXXX and my loan was transferred to SLS on XX/XX/XXXX. SLS is trying to collect a XXXX payment from me of which I had already made to XXXX XXXX. Due to SLS trying to collect a XXXX payment from me which I have already made to XXXX XXXX, each month that goes by I'm recorded as making a late payment because they're applying my current payment to the original XXXX payment which makes me a month behind each month. In addition, i'm accruing late fees every month this issue is not resolved. 

Due to this error on SLS 's part which has failed to be corrected, I have received a foreclosure notice dated XX/XX/19. I have made multiple attempts to get the situation corrected including sending proof of payment with XXXX XXXX to SLS for the XX/XX/2019 payment 3 different times and spoke to numerous different customer service representatives from SLS. I have requested that this situation be escalated with SLS 's upper management, multiple tickets for " cash correction '' have been opened, but nothing has been resolved. The current ticket that is open is due to be " resolved '' XX/XX/19 which is 10 days before they will proceed with foreclosure on my property.
Consumer complaint received 2024-08-24
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am filing this complaint because Capital One has refused to provide a copy of the original contract related to an account that is currently reported on my credit report as a " Collection/Charge-Off. '' Despite my repeated requests under the Fair Credit Reporting Act ( FCRA ) for documentation bearing my signature that verifies the debt, Capital One has not provided the requested documentation. 

In a letter dated XX/XX/scrub> 2024, Capital One stated that they do not have a paper copy to send because the application was taken over the phone or the internet. However, this does not absolve them of the responsibility to provide the necessary documentation as required by law.

The failure to provide this documentation is obstructing my ability to verify the legitimacy of the debt. Moreover, it is causing significant harm to my financial well-being by negatively impacting my credit score, which affects my ability to obtain credit, particularly as I am preparing to purchase a home.
Consumer complaint received 2024-06-25
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. (PA)

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681, and they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 168 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (TX)

On XX/XX/XXXX : I sent a letter to First Financial Asset Management 35 days ago located at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : ( XX/XX/XXXX ) Alleged Original Creditor : ( XXXX XXXX XXXX {$1000.00} Now under The Fair Credit Reporting Act ( FCRA ) 1682G ( B ) - Which states I have the right to request the proof of the Chain of Title of Ownership of any alleged debt reported on my credit reports. It also goes on to say that if the debt was aquired by a debt buyer ( First Financial Asset Management ) like a collection company then they have to be able to provide proof of Chain of Ownership from the Original Creditor all the way to the current owner. 

In my letter it also states that a billing statement, notice, or any unsigned document is not verification of the alleged debt. First Financial Asset Management has failed to provide me with the required documentation requested and has NOT complied with my requests.
Consumer complaint received 2024-06-21
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. (TX)

I'm filing a complaint against your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). Items were deleted from my credit report, and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or I will seek litigation. I have also attached an invoice for violations of the 3 items. Payment is to be remitted to the address on the invoice. The remedy is being pursued in relation to Rule 55 of the Federal Rules of Civil Procedure and 28 USC 2201.