davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
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)

I am writing once again regarding the inaccurate information on my credit report related to incorrectly reported late payments on my credit card account XXXX XXXX XXXX # XXXX. Despite my previous letters dated XXXX XX/XX/2024 and XXXX XX/XX/2024, I have not received confirmation of the correction, nor have I observed any changes in my credit report. 

XXXX. XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX. XXXX XXXX. XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, you are obligated to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of the information contained in consumer files. Additionally, 15 U.S. Code 1666b requires creditors to send periodic statements with the necessary information at least 21 days before the payment due date. Non-compliance with this regulation has resulted in the appearance of late payments on my credit report, adversely affecting my credit score. 

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

This is my final request for a reinvestigation and correction of the inaccurate information related to these late payments on my credit report.
Consumer complaint received 2024-07-29
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. (WA)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within XXXX days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/year>, and I have not yet received a response.
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint.
Consumer complaint received 2024-09-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Summary of the Problem : I have been a long-time customer of Bank of America XXXX where I set up autopay for my credit cards. On Sunday, XX/XX/2024, when I logged into my Bank of America account via desktop, I could not find the autopay option for my credit cards, which I had previously accessed without issue. 

Details of the Experience : 1. Initial Contact and Troubleshooting : I contacted Bank of America customer service and shared my screen with a XXXX, who confirmed that autopay was not appearing under the bill pay section for my credit cards. 
I was transferred multiple times and, despite being told I was being directly transferred to a XXXX, I was often sent to an automated messaging system instead, forcing me to start over repeatedly. 
I spent a total of 6 hours on the phone on Wednesday, XX/XX/2024, trying to resolve this issue. 
2. Inconsistent Information and Troubleshooting Steps : One representative suggested the issue was due to a different username on my account. Another suggested it was a browser issue and that I should download XXXX XXXX, which I did to no avail. 
I was then connected with another online bill pay XXXX, to whom I explained the entire situation again. During this call, I was informed that I had two usernames on my account. 
I requested that they delete the unused username ; however, the XXXX instead deleted my primary online account without my consent, forcing me to reenroll. This was not what I had asked for. 
3. Unresolved Issue and Further Delays : The XXXX then abruptly hung up on me. I had to call back and spend another hour explaining my issue to yet another representative. 
I was told that my account needed 24-48 hours to reset. I explained that this was the same advice given to me on Sunday, XX/XX/XXXX, and after waiting the prescribed 48 hours, the issue remained unresolved when I logged in on Wednesday. 

Summary of the Issue : Despite spending 6 hours on the phone and following all the instructions provided by Bank of America representatives, the autopay issue with my credit cards remains unresolved. I have been given inconsistent information and advice, forced to reenroll in my online account without my consent, and have experienced repeated delays. This has caused me significant frustration and wasted a considerable amount of time. 

Desired Resolution : I am urgently requesting that Bank of America resolve this issue immediately and restore my ability to manage autopay for my credit cards online. Additionally, I seek acknowledgment of the mishandling of my case and a guarantee that this issue will be properly addressed without further delay.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (NV)

Obtained American Express Personal Platinum card, which advertises among other benefits, a {$20.00} a month XXXX XXXX credit on your account for specific charges and a twice yearly {$50.00} credit for charges at XXXX XXXX XXXX. I made a XXXX eligible charge for XXXX service for the digital credit and a {$60.00} charge at XXXX XXXX both in mid XX/XX/XXXX, which should have yielded a total of {$70.00} in credits. After not receiving them on my account, I chatted with Amex today ( XX/XX/XXXX ) and was informed that I had to have " activated '' the benefit of both of those things in order to receive them. I was told the terms state that you have to " enroll '' to get the credits, despite them being advertised as part of the card. The terms state " Enrollment through American Express is required to receive the benefit '' which I interpreted to mean applying for, receiving and activating your card with Amex, not as some arcane and unnecessary extra one time search of the Amex account page, and a random extra 1 click on specific benefits to " enroll. '' It is an unreasonable expectation or interpretation to believe that a consumer would know or even expect to have to " enroll '' in a benefit that is advertised as part of a card as a perk, especially when the card comes with XXXX other stated advertised benefits that are advertised along side the benefits here at issue, and those do NOT require any form of " enrollment '' beyond the expected receipt, confirmation and activation of the card. For example, the {$200.00} a year hotel credit, the XXXX monthly XXXX credit and other things do NOT require a random extra click to " enroll '' on a somewhat hidden page on the Amex account site, yet these two credits have a random and unexpected requirement to literally click " enroll '' after logging in and searching the " benefit dashboard '' and any charges made prior to that action are deemed ineligible, despite being otherwise qualified, as in my case.

I would point out that the Amex company representative on the chat even attempted to manually provide me a {$70.00} credit to make good on the benefits, but was rejected by her computer system according to her. She ( XXXX ) stated the system declined to allow her to issue me the credit that clearly even she thought was correctly owed to me.
Consumer complaint received 2024-09-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (PA)

XX/XX/XXXX. I notified PNC BANK of a unauthorized transaction that occurred on XX/XX/XXXX for the amount {$450.00}. The total amount disputed was {$690.00}. 
I assumed my dispute would resolve accordingly and would be refunded my {$450.00}. 
On XX/XX/XXXX, I received a investigation completion notice, Stating " As noted in our Consumer Electronic Funds Transfer Disclosure Statement, we must receive your notification no later than 60 days after we sent the first statement on which the unauthorized transaction ( XXXX ) appeared. We've investigated your claim and determined you didn't notify us in a timely manner. 
You'll be held liable for the disputed transaction ( XXXX ) that occurred later than the timeframe referenced above. 
The provisional ( temporary ) credit in the amount of XXXX, as well as any related fee refunds previously credited to your account, will be reversed on XX/XX/XXXX. '' On XX/XX/XXXX, I revisited my PNC bank dispute and noticed and error has occurred. My reoccurring phone bill of {$27.00} dating back to XX/XX/XXXX would interfere with my dispute of {$450.00}. 
I have contacted PNC to rectify the issue but PNC ( XXXX - XXXX Retail support department ) state there is nothing she can do. My dispute is pass the 60 timeframe and I can not undo Disputes. I explained that I am being held liable for an unauthorized transaction and I did notify PNC of the issue back in XX/XX/XXXX. 
I will have to escalate my dispute to consumer protection.
Consumer complaint received 2024-10-06
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)

Today I pulled my credit report and noticed a XXXX XXXX account. The XXXX XXXX account shows a date opened in XXXX XX/XX/XXXX and showing a different date opened for XXXX & Equifax, XX/XX/XXXX. 

This same account shows a credit limit of {$1600.00} for XXXX, {$1900.00} for XXXX and, a {$0.00} credit limit in Equifax. 

I have included a copy of the credit report page.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : The reported late payment is inaccurate as I made my payment on time. I have included bank statements showing the payment was processed before the due date. 
Account Closure : The account was closed at my request, and no late payments occurred at the time of closure. The reported late payment misrepresents the accounts closure status. Ive included the closure confirmation showing that the account was paid in full before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-06
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)

I looked at my report on XXXX XXXX XXXX and noticed some things are not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it should follow reasonable procedures to ensure the maximum possible accuracy of information concerning the individual to whom the report relates. These accounts XXXX XXXX XXXX XXXX }. 

{ XXXX XXXX XXXX } The balance is not reporting correctly, the open date is not correct, and the closed date is not correct. This account is not accurate.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/year> Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX  I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment delay due to postal service issues : In XX/XX/year>, I mailed my payment well in advance, but due to delays with the postal service, the payment arrived late. This delay was beyond my control, and the payment should not have been marked as late, as I acted in good faith to ensure timely payment. 
Payment made within the XXXX grace period : Despite the postal delay, my payment for XX/XX/year> was received and processed within XXXX 's XXXX grace period. As such, this account should not have been reported as XXXX XXXX XXXX 
Evidence provided : I have attached bank statements and payment confirmations showing that I sent the payment well before the due date and that it was processed within the grace period once received. This evidence clearly demonstrates that the reported late payment is inaccurate. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Someone used all of my personal information to obtain and lease to own product that was never received here or anytime during or after the suspected event on or about XX/XX/XXXX or XXXX, XXXX. 

XXXX XXXX  has attempted to collect and now reporting this on my credit reports, a financial fraud case has been submitted to the XXXX Report # XXXX  today XX/XX/XXXX.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I recently reviewed a copy of my credit report I was shocked to l have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me.This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible
Consumer complaint received 2024-10-05
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. (CA)

I request ALL information that is not consistent with All reporting agencies be removed and that any information shared without my consent ( i.e. child support agency is not a loan agency and never received any written consent from me.My right to privacy has been violated, therefore by law this and all inaccurate information MUST be removed immediately. My account has been hacked and there are multiple discrepancies and inaccurate information regarding paid off, closed accounts. This has been negatively impacting my credit for years and I request that ALL prior inaccurate information be removed immediately.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I am submitting this complaint to address an issue regarding late payments on my credit report. After reviewing my records, I discovered these late payments, which I believe to be inaccurate. Despite sending letters over 30 days ago, I have not received a response, nor have I been provided with adequate validation. I am seeking your assistance in resolving this matter as soon as possible.
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. ()

Dear Sir or Madam, Currently I live in XXXX. While I was reviewing my credit report in XXXX, I realized that 3 accounts were opened on behalf of my name. One credit card account and two car loans. I reached out XXXX XXXX  to report identity theft. In addition to that I filed an identity theft report on FTC site. I am sending attached a copy of this report. 

These accounts do not belong to me, Please terminate these accounts, close the accounts and remove them under my name. They should not appear on my credit report.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I noticed erroneous accounts appearing on my credit report tonight, and I have no explanation for it. I checked my credit report as usual, but this time, there were discrepancies that I hadn't seen before. I tried refreshing my browser to see if it was a glitch, but the inaccurate accounts stayed. Therefore, I request a careful review of the documents I've sent so I can avoid any future worries.
Consumer complaint received 2024-10-05
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. (VI)

VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX Account number : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Dear XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter Sincerely, XXXX XXXX XXXX