davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
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. (TX)

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score. I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracy. I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the account immediately : XXXX XXXX XXXX : {$19000.00}.
Consumer complaint received 2024-07-02
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 respectfully seek your comprehension regarding the late remarks on my report, and I am fully dedicated to resolving them as per our agreement. My goal is to eliminate all the late remarks from my report, and I am enthusiastic about upholding a favorable record with your organization.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (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
Consumer complaint received 2024-07-02
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. (OH)

On XX/XX/XXXX I mailed a first-class letter to Equifax Information Services Stating I had found the following items to be in error reporting on my credit report, requesting they be removed under Consumer Laws that were relevant to my situation. They did not respond to me with any positive news in fact they told me they thought I had help with my dispute from a credit repair company ( which in all cases would not be illegal ) They asked me to go into the Equifax website to dispute anything I needed. A letter I believe was sent to waste my time. I had attached a Bill with my name and current address, A Drivers License even a copy of my Social Security card. All in color. Legible and Clear. 

A Balance for a CC was {$240.00} ERROR- Account opened in XXXX Still reporting unpaid- XXXX Incorrectly Reporting late payments- XX/XX/XXXX, XXXX XXXX, XXXX Permissible use of my report on Child Support XXXX Medical Bill- XXXX {$1400.00} OHIO DEPT OF HUMAN S.- XXXX {$30000.00} I also have also Sent Certified Letters to Equifax as well XXXX. 
No Response was sent me to as I requested. No updates or a copy of my credit report. They are just completely ignoring my request. 
I sent another set of certified letters to Equifax on XX/XX/XXXX and have not received any type of update on any one of the Errors I have tried bringing to their attention. I have spent hours of my time both on trying to correct the Errors Reporting and the misuse of my credit report. I have spent money on sending letters to them both first-class mail as well as certified mail. I feel I am getting taken advantage of. It's become extremely stressful and time consuming. I truly hope I can get someone to help. 

I am now filing a complaint because I feel that there is no other way to be able to receive any type of help.
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IN)

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.

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 informationisinaccurate.
Consumer complaint received 2024-07-04
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. (FL)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

ccordance with the Fair Credit Reporting act. The List of accounts below has violated my In accordance with Fair Credit Reporting Act the listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX, has violated my rights. 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 2024-07-01
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. (MD)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AL)

Ive requested prior that XXXX, Equifax, and XXXX update my payment history on my credit report and they have yet to do so. The information is incorrect and out of date. I have reached out to both the lenders on both accounts for the XXXX XXXX account and the XXXX XXXX XXXX account and they have confirmed that it is not them reporting the information wrong. These 3 Credit Bureaus are using my information improperly and reporting the information incorrectly. I would like it updated as soon as possible to Paid On Time like it was before hand.
Consumer complaint received 2015-06-03
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

My credit is frozen with all three credit reporting agencies, but on XXXX XXXX 2015, XXXX XXXX issued me a brand new credit card. I sent letters to all three credit reporting agencies asking how it was possible for me to get a credit card when my credit is frozen and they responded with " There is an Active Security Freeze on your credit file. '' They did not answer my question. I want to know how it is possible, if there is an Active Security Freeze on my credit file was it possible for me to get a credit card.
Consumer complaint received 2024-07-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with DEPT OF EDUCATIONXXXX was never late! I have had exceptional payment history with DEPT OF EDUCATION/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. 


DEPT OF EDUCATIONXXXX 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 2024-07-05
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. (AZ)

I am requesting an update to several accounts in my credit profile, which appear to be incorrect. Under the Fair Credit Reporting Act ( 15 USC sections 1681i ), you are required to complete your investigation within 30 days. Failure to comply will result in a violation of the Act and may prompt an investigation by the Federal Trade Commission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00}. Provide evidence that these accounts are valid and that my rights have been respected. If no such evidence is available, promptly update the inaccurate account information.
Consumer complaint received 2021-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer.
Consumer complaint received 2024-07-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WI)

XX/XX/year> I disputed one collection account and one charge off account stating someone used my identity to purchase items and obtain a personal loan and a credit card. As a result these items were removed from my consumer report and recently placed back on there without properly notifying me.
Consumer complaint received 2024-09-24
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Alorica Inc. (OR)

I took out the original loan with XXXX, an online company. 

XXXX has gone out of business and sold their loans to Systems & Services Technologies ( SST ) as of XX/XX/scrub>XXXX XXXX 

My loan balance transferred to SST was {$8300.00}, at 20.24 % interest, amortized over 5 years with monthly payments due of {$220.00}. The information and statements provided by SST do not break down how much of each payment is going to interest and how much to the principal. 

On XX/XX/year> I made my first payment to SST. I paid {$300.00}, {$75.00} over the required payment.

Instead of applying the additional {$75.00} to my principal, SST took it as extra interest, applying just {$72.00} to my principal and {$220.00} to interest. 

I spent an hour on the phone ( mostly on hold ) with SST customer service on XX/XX/year>. The agent kept trying to tell me the opposite had occurred, that {$72.00} went to interest and the rest to principal. I pointed out that this was not correct, which was easily confirmed by comparing the ending balance to the beginning balance. I was finally told someone from billing would email me and I should call back if I didn't hear anything. 

I called SST back today, XX/XX/year>, because I hadn't heard anything. After extended time on hold, the agent relayed the explanation she was given, something about interest accruing between my last payment to XXXX on XX/XX/year> and my first payment to SST on XX/XX/year> accounting for the extra amount applied to interest. I advised the agent this was absolutely incorrect, and that the only acceptable resolution of this mistake is for the extra payment to be applied to the principal, this month and every month that I pay over the {$220.00} due. 

The agent put me on hold again, then came back with a story about " upper management '' reviewing and resolving the issue, and that this would take another 2 or 3 days. I asked if they were just putting me off again, and if I was going to find myself making this phone call over and over without the situation ever being resolved, and the agent agreed that this was what was going to happen.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

This has been going on for over a year, each time I called, they gave me a different resolution to stop the late charges and the negligence, fraud, UDAAP violations continued. They refused to have to return my calls, maybe between 5-10 times. They basically threatened me with a XXXX XXXX XXXX order, which was false, I never received a copy of the order and it used as a tool for intimidation. I have a handful of credit cards, some closed, some active, I have zero problems with the others, when I raise this fact they ignore it. I know how my banks bill pay works, the only time theres an issue, its with HSBC XXXX XXXX XXXX XXXX XXXX I want my late charges refunded because I believe theyve been negligent, committed fraud and violated UDAAP standards against consumers, including myself. FDIC has studied this car and requested I forward it to your organization for resolution. 

Thank you!
Consumer complaint received 2016-02-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PHH Mortgage Services Corporation (AZ)

I had a mortgage with Caldwell banker mortgage also known as p h h mortgage. We were to get a cash for keys from them in XXXX XXXX but instead they did a foreclosure. They still gave us funds to vacate the house on XXXX/XXXX/XXXX but was done improperly. With this we were involved with a class action lawsuit against them and in XXXX XXXX they settled with us by sending a check for {$4000.00} as settled with the state of new jersey for the wronged consumers. My problem is that we are trying to refinance our current mortgage but cant do so due to the fact that the loan/mortgage is still showing up as a foreclosure and not a cash for keys as it was to be done originally. Is there anything that can be done to correct this issue??? 

loan number was XXXX address was XXXX XXXX XXXX XXXX XXXX AZ XXXX thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2024-09-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (PA)

For the last XXXX years i have been disputing with Lightstream/Truist Bank  XXXX XXXX ) about their reporting of late payments and multiple charge offs for XXXX account that they claim has a {$4800.00} balance. On XX/XX/year>, I sent them a cease and desist but they continue to report negative and inaccurate information. Furthermore, Truist Bank has insurance on all its accounts up to {$250000.00}. Upon information and belief, the FDIC insurance has been applied to my account but i have not experienced the benefits of it. 

When i requested an accounting of the account, Truist Bank sent me statements, which was not what i requested. i returned those statements to the sender. 

As a result of this XXXX year long battle, i have lost personal and business credit opportunities. i have been harmed terribly by the inaccurate information that Truist is reporting to the XXXX consumer reporting agencies ( and probably several other CRAs ).
Consumer complaint received 2024-09-04
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC (MI)

Our loan originated with XXXX for our primary home. We utilized our local financial institution XXXX XXXX XXXX  XXXX and set up automatic payments for the XXXX loan immediately ; we have done this with XXXX prior mortgages as well ( automatic payments ). When I applied for a commercial loan after acquiring my mortgage from XXXX, I was notified that my credit report was showing late payments by XXXX for my mortgage. I was incredibly confused and contacted both my financial institution XXXX XXXX XXXX XXXX  and loan provider ( XXXX ) immediately. I need to add that my personal checking from which the automatic, monthly mortgage was paid had more than substantial funds for the mortgage each month. My bank assured me that they were sending the payments on time. XXXX denied my request to get the late payments removed and the marks for my credit report. Their official letter blamed me and XXXX bank for the late payments- even though I was set up for automatic payments and always had sufficient funds and my bank confirmed they had sent all payments on time. In XXXX of this year ( XXXX  ), XXXX sold my mortgage to XXXX. They discovered that I had late fees to pay and had been continually been reported to the credit bureau. They thought that perhaps as the payment amount fluctuated ( escrow and taxes ) and that I needed to call my bank to change it every time, even though I was set up for automatic payments. Today, when speaking to XXXX, they told me to call my local bank to fill out papers to change my monthly payments every time it fluctuates, but my bank confirmed I do not need to do this because thats what Im already signed up for. This is the same way I had automatic payments with XXXX as well. I called XXXX and another representative confirmed it should change and pull the amount automatically as escrow and taxes change. At this point, it is clear that XXXX was engaged in fraudulent mortgage activity. They would mark my payments late and not pull the correct amount from my bank even on automatic payments. They would in turn hold my mortgage payment as not enough and late and report it to the credit bureau. An investigation needs to be done. I had to pay late payments for their fraudulent activity, and they incorrectly reported me to a credit bureau for their fraudulent activity. Im not sure what kind of benefits a mortgage lender has from this fraudulent activity, but I cant be the only person who was scammed by XXXX. This has cost me hundreds in late fees that were not accurate, along with false reports to the credit reporting agency on my reports that they refused to remove. Please do a full investigation because there are likely more victims in this XXXX scam and millions of consumer dollars stolen by this lender.