davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

I went through a hard time in my life, I lost my job and I was spending the bulk ok my money on my family and making sure we survive. So I had to get my loans refinanced and this was part of the refinance but XXXX XXXX University keeps reporting some ridiculous amount of 120 day late payments. It's being reported to all three bureaus XXXX, Equifax, and XXXX. It is killing my chances of getting a home. I have repeatedly called them and sent goodwill letters to try to get to update the late payment history on this loan account. I will attach a picture of my payment history that shows me refinancing it and being current ever since. And I would truly appreciate this and would be able to put my family in a better situation. These 120-day late payment that are still reporting are truly killing my score and chances of bettering my life.
Consumer complaint received 2024-08-02
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. (NV)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX Balance : {$5100.00} XXXX XXXX XXXX  Balance : {$1200.00} XXXX XXXX Balance : {$1600.00} CXXXX XXXX XXXXXXXX Balance : {$2400.00}
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (OH)

I recently visited my doctor for a XXXX  procedure that I need to live. I was directed to the finance department to weigh my payment options. I was refused the funding I need because of an error on my Equifax credit report. I was advised to resolve all errors before I could have my XXXX. I am under extreme stress as I can't eat without this XXXX. The error is as follows, US DEPT OF EDU account # XXXX Payment status COLLECTION for XX/XX/year>. The payment status is incorrect. This account was under the CARES ACT Pandemic Payment Forbearance during these dates and payment was refused.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX
Consumer complaint received 2024-08-02
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. (SC)

Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$2000.00} Open Date :XX/XX/2024 This CFPB complaint has been submitted to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency, block the information appearing on my consumer credit report that resulted from identity theft and fraud within XXXX business days of receiving this complaint. The fraudulent, inaccurate, and false information includes a collection account opened by XXXX XXXX XXXX onXX/XX/XXXX, 2024 under the account number XXXX. 

I have enclosed a copy of the consumer XX/XX/XXXXcredit report maintained by you, highlighting the fraudulent item. I do not recognize the account as reported. This account, appearing on my consumer credit report maintained by you, was neither opened, made, nor initiated by me. It is the result ofXX/XX/XXXXt and fraud. 

Additionally, I have included a copy of FTCXX/XX/XXXXComplaint XX/XX/XXXX( XXXX ) as evidence from the US Federal Trade Commission that the aforementioned consumer credit account is the result of XX/XX/XXXX and fraud.
Consumer complaint received 2024-08-02
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 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 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

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 2024-08-02
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. (PA)

I am reaching out in regards to a situation with my mortgage company and HAF program ( also known as XXXX  ). On XX/XX/year> I called XXXX in regards to my application and the remaining forward mortgage payment and fees accessed from mortgage company as the property went into foreclosure from XXXX not paying on time. I spoke with a representative and they informed me that a final payment of XXXX would be sent over to my mortgage company XXXX XXXX  and that there will be no more payments moving forward. On XX/XX/year> XXXX forwarded the payment to XXXX XXXX  to fulfill the last six month forward mortgage payment and foreclosure fees. Now XXXX XXXX  is claiming that the wrong account was paid. How did this happen? I have been paying my mortgage on time since XX/XX/year> and now XXXX XXXX has negative my account the {$1100.00} reversing the funds out of my account and have placed my account as past due even though I have made payments faithfully each month before the due date since XXXX. This has affected my credit score as it has lowered my score XXXX points. I need to understand why XXXX XXXX  is claiming that the XXXX  program paid the incorrect account and have taken the funds out of my account. And if so, what happened to the funds that XXXX told me of back on XX/XX/year> of {$1100.00}. When I call XXXX, they tell me that dont see any notes of me calling multiple times in XXXX which is hard to believe. When I talk to XXXX XXXX that are forcing me to come up with this money or my account will remain past due. How is my account credited on XX/XX/year> {$1100.00} but then taken out and reversed out of my account six months later on XX/XX/year> because of a Cashier error. However, my account and mortgage statements do not reflect a past due balance and actually show that I am in good standing. So is XXXX XXXX  statement trying to steal funds out of my account and place them in someone else 's loan because none of my mortgage statements reflect a past due balance.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-02
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NJ)

I am writing to formally complain about 2 lawsuits filed against me by Chase Bank over unpaid credit card debt. Despite my numerous attempts to address this debt, Chase Bank has made no effort to work with me to find a resolution at any time. 

Due to the circumstances of the COVID-19 pandemic, I experienced a significant loss of income which has severely impacted my ability to meet my financial obligations. This was communicated to Chase on multiple occasions. At every turn after a series of questions when assessing assistance I was eligible for they concluded " no assistance can be offered ''. I was once offered a settlement of 50 % of the balances only after the cards were cancelled by Chase, however Chase wanted one lumpsum payment immediately, and when I called back days later they said that offer was no longer on the table. Additionally, I have faced my own long Covid illness, further complicating my financial situation, so a lump sum payment is no use with medical debt. 

As a XXXX employee, I continued to work tirelessly to ensure public safety during the darkest days of the pandemic. The emotional and physical toll of these challenging times has been immense, and the added stress of these lawsuits are deeply concerning. As a XXXX employee I should not bear the brunt of the financial impact brought about by the pandemic. The setbacks I faced while being on the front lines, including working with Covid testing kits, should not be a reason to be sued. I prioritized the health and safety of the nation above my own, we were once called heroes, it certainly does not feel like how a hero is treated. 

Despite reaching out to Chase Bank on multiple occasions in attempts to reach a mutually beneficial resolution, I have received no cooperation. Instead, they have chosen to pursue legal action, which I believe unjust under the unprecedented circumstances. 

I kindly request your assistance in addressing this grave matter. I am seeking the dismissal of the 2 lawsuits filed by Chase Bank and an opportunity to resolve this debt through alternative means that take into account the hardships I have faced due to the pandemic and my ongoing health challenges. Specifically I am seeking the dismissal of the 2 lawsuits and Chase working with me on a reduced agreeable amount commensurate with not only my health issues but my commitment to the public health and safety of this nation. 

Your prompt attention to this matter would be greatly appreciated, and I am hopeful for a favorable resolution.
Consumer complaint received 2024-08-02
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC (NY)

Got public records of my home through my bankruptcy lawyer and it shows that I have 2 deeds on my property. 1 deed generated in XXXX when the property was purchased by XXXX XXXX, XXXX XXXX, XXXX and me XXXX XXXX. I went to XXXX XXXX XXXX and was told that the XXXX deed is fake, it's not in their records and that there can only be 1 deed on the property and that the only legit deed is the one from XXXX. I asked XXXX about this, I spoke to 2 different employees, and they tell me they can not tell me, I'm going to say it twice, they tell me they can not tell me.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

notice my credit report showing late payments in which I never miss a payment on the XXXX  account ( XXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer reporting agencies play a crucial role in accurately reporting consumer information I request a through infestation for these discrepancies and urge you to provide evidence such as statement proving late payment if unable to provide proof I demand this payment be update to paid on time XXXX XXXX WAIVE THE LATE FEES XXXXXXXX XXXX WAIVE THE LATE FEES ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Consumer complaint received 2024-08-02
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. (GA)

In accordance with 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2020-01-08
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Data, Inc. (WI)

Hello, My issue is with my former landlord " XXXX XXXX XXXX '' in Wisconsin XXXX. At the end of XX/XX/2019 my lease was over so I moved out. Before moving out I made sure that everything required by them before you move out is taken care of. I spent two days cleaning the apartment in which I lived for XXXX years. At the moment of turning in, the apartment was clean, the only issues being normal wear and tear. More then a month after moving out I was sent a cleaning bill for over XXXX $ on top of my deposit which was the equivalent of the rent ( XXXX $ I believe ) plus the pet deposit ( I don't remember the exact amount ). So they charged me around XXXX $ by not giving me my deposit back plus they are asking for another XXXX some . I looked into the cleaning company they hired and it was a year old company, a family business which doesn't have a business phone number. So I called and asked for proof and they sent me some pictures that don't show anything, just some bad pictures of what could be anything. Those pictures don't show what apartment they were taken in ( they all look the same ) and we were specifically told by the landloard not to move any appliances ( fridge, stove etc ) to try and clean behind them because they will but they included pictures of those areas in the ones they sent ( all pictures are attached ). They even went as far as sending us pictures of a dirty stove that wasn't even ours ( pics attached ). I tried disputing the charge based on those photos and they said they will go to court which never happened and then I find myself listed for collections. I'm sure this is normal practice with this management company and they're trying to rip people off by doing schemes like this.
Consumer complaint received 2024-08-02
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)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (SC)

Synchrony Bank/Amazon opened this account without my knowledge or permission. I never applied for this card. Amazon began charging purchases on this card without my knowledge. Synchrony Bank reported that I'm delinquent and have hurt my credit. This has begun a snowball  effect and has caused difficulty with my bank and other creditors.
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: EQUIFAX, INC. (MA)

I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below. 


I trust that the necessary steps will be taken to correct this error and ensure my credit report accurately reflects my payment history. I request written confirmation once the late payment has been removed from my credit report.