davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
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. (NH)

You replied that the alleged transactions that you identified as late is verfied. The following accounts are : XXXX XXXX : Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX : Account # XXXX You have no proof that this alleged transaction was late. 15 U.S.

Code 1666b -Timing of payments ( 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. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information. ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (VA)

I called on XX/XX/year>, XX/XX/year>, XXXX to get these hard inquiries deleted from my account due to I didnt authorize these inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 told disputing online does not work even though that is an option on the equifax website. 
I called on XX/XX/year> spoke to XXXX the supervisor reference # XXXX
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

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 information is inaccurate.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in 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 XXXXXXXX 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 2024-07-17
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. (MA)

I was utterly shocked and devastated upon discovering unauthorized credit inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!
Consumer complaint received 2024-07-17
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)

XXXX XXXX XXXX XXXX  Reported : XXXX. XXXX, XXXX + {$260.00} In good standing OTHER LOANS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported balance ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance the Fair Credit Reporting Act. The List of accounts below are violating my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account 's : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal information on each accounts addresses and number on credit report are completely inaccurate. 
- dates open are incorrect. 
-addresses on this report are incorrect & inaccurate. 
- Information on report is not showing. 

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

15 U.S.C 1681 section 604 A ( 2 ) : states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section c ( a ) ( 5 ) : states no consumer reporting agency may make any consumer reporting containing any of the following items of information or 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 1681-2 ( a ) ( 1 ) : states a person shall not furnish any information relating to a consumer to any reporting or third-party reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Consumer Adjustment Company Incorporated (MO)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.
Consumer complaint received 2024-10-24
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (GA)

I have on multiple occasions reached out to this collector that is reporting negative information on my credit report stating I wanted this debt to be verified by providing me with the original contract with my wet signature that shows I owe this debt to them and that they are within 100 % of their rights to collect this debt from me or to report it on my credit report without my permission. I also requested they provide the method in which they used to verify this debt. I have never received any type of response let alone the information I have requested.
Consumer complaint received 2024-10-01
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: Chime Financial Inc (CA)

In the middle of the night about a month ago, my account was broken into, either my Chime or XXXX, and multiple large purchases were made on my cards saved on the site. Nearly $ XXXX in transactions were made between XXXX XXXX in the middle of the night with money that I had saved as a graduate university student to use for rent and tuition. I even received an email during the time when those unauthorized purchase were made from XXXX saying that there was suspicious activity on my account and sending XXXX to malicious XXXX addresses, yet the merchant still let them keep purchasing more XXXX using my cards. I then filed disputes for these unauthorized transactions on XX/XX/XXXX, in XXXXour total disputes, XXXX on my debit card and XXXX for my credit builder card. I submitted plenty of evidence including my police report, my FBI cybercrime report, my report to the FTC, all the emails the merchant sent me detailing the purchases during the hours of XXXX or so and for amounts I would never think of spending such as a {$8800.00} purchase, the email showing them saying there was malicious activity, and answers to every question asked of me. Ive included some of that in the files below but Chime has much more detailed papers that Ive uploaded to their dispute portal. I uploaded this exact same evidence to all XXXX dispute claims, yet they were all just resolved this past week. The XXXX debit card claims were thankfully approved and shown to have unauthorized transactions. However, for some reason even with the exact same evidence and during that same period of transactions to that merchant as the approved claims, the XXXX credit card disputes, XXXX for {$1200.00} with ID : XXXX and XXXX for {$2100.00} with ID : XXXX. I dont understand how these claims could be denied while the other XXXX were accepted, with the exact same evidence, all XXXX should be approved or all XXXX denied, this is {$3300.00} as a broke college student that XXXX losing out on.
Consumer complaint received 2024-08-26
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: WELLS FARGO & COMPANY (OH)

Well Fargo as stated here and on the XXXX  stated the removal of this hard inquiry due to id theft someone had tried ( unsuccessfully thanks to a credit freeze ) to have opened an account on Wells Fargo. This was spring of XXXX, however as of XX/XX/XXXX the hard inquiry is still present on my credit file. See attached. 
Please advise
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Corp Solutions Inc. (SC)

ACCOUNT XXXX XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between XXXX and XXXX XXXX XXXX . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT XXXX XXXX plus other accounts you saying I'm oweing.
Consumer complaint received 2024-08-25
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First Advantage LNS Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX and XXXX report. 

Please remove immediately the following accounts : XXXX XXXX XXXX XXXX Amount of {$7800.00} I never had a contract with this debt collector for any debt and I am a victim of ssn data breach and my social security number has been compromised. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-25
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC (NC)

I disputed the accuracy of information thats on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. I also asked them to remove the collection from my report because it is inaccurately posting a past due balance. I havent received any verification that the debt it mine.
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: Experian Information Solutions Inc. (NY)

Dear Experian I was a victim of XXXX XXXX. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from XXXX XXXX. The following items need to be removed and blocked as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (NY)

First of all I am responding to Consumer Financial Protection Bureau case number # XXXX and Wells Fargo Home Mortgage did not clear up my concerns nor did they answer any of my question. XXXX. I am not happy with the bogus letter I received with an answer that was unrealistic and not true in regards to the work out options that they stated I received. XXXX. My concerns with my mortgage increase from XXXX to the XXXX due to taxes increase but I received a letter stating it was escrow shortage ( which is it? ). Wells Fargo mentioned that it was a annual tax change in their response but I did not receive any communication or notification from them prior that the taxes went from {$1.00}, XXXX to {$1900.00}, which is a difference of XXXX extra a year which I was not given a choice or offer to pay in a lump sum prior to their response so that my mortgage could remain the same. Because they have mishandled my mortgage from the beginning I am very much concerns about any changes that are made to my account without proper notification in which I received no letter from them stating that.. As they mentioned in their response I could pay the XXXX in a lump sum which I will submit to them in hopes that my mortgage does not change and there is no more tampering. 

Secondly, as far as the workout options I received from them and the dates are bogus as well. There were rules set for me as to how many modifications I could received and was told many times I did not qualify even during COVID only payment arrangements were my options and the amount that was told to me with my income was outrages so let 's stop the lies in your response. Once again I was treated differently when it came to help from Wells Fargo and this is not hear say there is history as to how I was treated as XXXX XXXX Home owners. I do hope you change so we all can feel comfortable and equal. As far as discrimination there is no equal fair treatment and it has not been since the beginning when you took over my mortgage. 

The only resolve I received was a call from the Wells Fargo XXXX XXXX XXXX who stated Wells Fargo will honor the XXXX at the end of this month from the XXXX XXXX dollar settlement for how they mishandled my mortgage and all the fees and bogus accounts that was open in my name. I am hoping that Wells Fargo stay true to their agreement and not use that against me in any way to increase my mortgage or to retaliate against me going forward.