davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My accounts was never late! I have had exceptional payment history with XXXX 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 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 payment reported to be removed/updated.

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.

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!
Consumer complaint received 2024-10-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (TX)

wells fargo is not giving me the other {$2000.00} out of the {$6400.00} i lost XX/XX/XXXX to XX/XX/XXXX from fraudulent transactions and carges made with my card, i entered my debit card info on a fake ups website saying that i needed to pay 1 cent for confirmation to see where my package was. There reason has been that i had the physical copy of my card so the charges were made by me or someone who has access to it. On XX/XX/XXXX they sent a letter stating that an error did occur and gave me {$4300.00} and i want the other {$2000.00} they arent giving me from the same fraudulent charges, but None of the statements they keep telling me make sense. All of the charges are wired to the same thing, so why they wont give me the rest of my money dosent make sense, ive called them and they say the same thing everytime, the claim is closed i get letters saying its closed, then open again without any of my input, so i dont know whats going on. I just want the rest of they money i lost from those fraudulent transactions ( {$6400.00} ) One of the many lies on there end was i didnt call in time. I called the same day a few hours after all of those charges were made, they just brush off everything i say, this has been a back and forth for over 5 months i just want it to be done. They sent me {$4300.00} i just want the rest that is owed to me. There reason yet again is that i had my card, but all the charges are the same and they gave me part of the money already so it dosent make sense. On XX/XX/year> they said they completed the claim and gave me {$4300.00} i just want the other {$2000.00}. The bank statements i have provided show everything.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IN)

I need your help fixing this wrong account that's been placed on my credit report. It's damaging my image, and I shouldn't be left begging for your help. Your mishandling has wrecked my credibility. You have to get rid of this false information immediately.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on [ Date of Credit Report ]. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Consumer complaint received 2023-03-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (GA)

I have requested several times from this company verification that I owe this debt and they have failed to provide it. They continue to call me and they continue to file it every month as a new debt damaging my credit. They claim this is a debt from a rental property where the lease was terminated by the rental company and they were paid in full prior to me moving out. I advised the collections company of this and they refused to request documents from the rental company to verify no debt is owed and failed to provide me proof of debt.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.
Consumer complaint received 2024-07-28
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. (GA)

Dear Sir/Madam, I am writing to formally dispute the accuracy of the two dismissed bankruptcies currently reported on my consumer report with reference numbers XXXX and XXXX. I request that Equifax provide me with the method of verification used to confirm the accuracy of these dismissals. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request this information and receive a detailed explanation of how the verification was conducted. Specifically, I would like to know the exact procedures and sources that were used to verify these dismissed bankruptcies. Please send the proof of the method of verification to the following return address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX and by email : XXXX I expect a prompt and thorough response to this request, as it is crucial for ensuring the accuracy and integrity of the information reported on my credit file. Thank you for your attention to this matter. I look forward to your timely response. Sincerely, XXXX XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

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. 

Name : XXXX XXXX XXXX  Account : XXXX Amount : {$2600.00} I told XXXX, Transunion, and XXXX to reinvestigate these accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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 2024-07-28
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. (AZ)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

Capital One 's policy on cash advances is they charge interest from the moment the cash is dispersed. I am fine with that. But the website does not allow customers to pay off the cash advance for a few days. For example, I took a {$5000.00} cash advance on XXXX XXXX XXXX. When I tried to pay it off on XXXX  at XXXX, the website does not allow it, saying it hasn't posted to my account yet - even though it shows I owe the {$5000.00} plus a cash advance fee of {$150.00}. I am allowed to pay off the {$5100.00} on XXXX XXXX XXXX. But within a few days a finance charge of about {$20.00} shows up on my account and they won't refund it telling me interest starts as soon as you take out the cash. That seems unfair. I was prepared to pay off the cash advance the same day I borrowed it but Cap One does not allow it.
Consumer complaint received 2024-07-03
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: Experian Information Solutions Inc. (GA)

This is to follow up of the regarding the late open, late closed and charge off accounts appearing on my credit report. Despite multiple attempts to rectify this issue, the inaccurate information remains on my credit file. I believe this is a clear violation of the Fair Credit Reporting Act ( FCRA ) and requires immediate attention. I have attached copies of my credit reports highlighting the specific accounts in question, as well as supporting documentation that clearly demonstrates that the accounts should be removed. Despite these efforts, those accounts continues to negatively impact my creditworthiness. I understand the importance of accurate reporting for both consumers and creditors and am disappointed that my concerns have not been adequately addressed. I kindly request that you conduct a thorough investigation into this matter and promptly remove the inaccurate information from my credit report. Furthermore, I expect a written response within 30 days of receiving this complaint, outlining the steps taken to rectify the situation. I am asking for your assistance to correct the late open and remove the late closed and charge off in my credit file : XXXX. XXXX XXXX XXXX XXXXXXXX Balance : {$34000.00} - You are reporting different information from other bureaus. XXXX FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX. XXXX XXXX XXXX XXXX : {$680.00} - Please check the XXXX XXXX and XXXX information on this account and adjust accordingly. 
XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please check the XXXX XXXX and XXXX information on this account and adjust accordingly. 
XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 
XXXX. XXXX XXXX XXXX Balance : {$16000.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately. 
XXXX. XXXX XXXX XXXX : {$7900.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Consumer complaint received 2024-07-03
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: Experian Information Solutions Inc. (NC)

I am writing to express my profound frustration and concern regarding the repeated inaccuracies present in my credit report. This is now the multiple time I am contacting your bureau to dispute the erroneous student loan accounts that have been inaccurately attributed to my credit file. Despite my previous dispute letters and the submission of all necessary documentation, including proof of my non-involvement with these accounts, these inaccuracies persist on my credit report. This continuous oversight not only affects my financial standing but also raises serious concerns regarding the efficacy of your bureau 's investigation and verification processes. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a thorough and timely investigation of disputed information, ensuring that any unverifiable or inaccurate data is corrected or removed from the consumer 's credit report. The continued presence of these erroneous student loan accounts on my credit report suggests a clear deviation from these mandated procedures. I demand an immediate and comprehensive reinvestigation of these disputed accounts. Your bureau must review the verification process employed and provide a detailed explanation of the methodologies and communications used to substantiate the accuracy of these accounts. If the accounts can not be verified as accurate, they must be expunged from my credit report without further delay. 

XXXX XXXX XXXX XXXX, XXXX OF XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (PA)

Good afternoon! 

I am reaching out to get my old last name and addresses removed from my credit report if possible. 

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  I have a different career, and would like my XXXX XXXX XXXX XXXX XXXX  removed from my credit please.

Thank you!
Consumer complaint received 2024-09-12
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. (MD)

There is an inquiry that I don't recognize on my report and I extremely disappointed. I have never permitted this, and this company have just decided to pull them up without my authorization. I have reached out to Equifax about this information and I have not heard from them since.
Consumer complaint received 2024-07-28
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. (TX)

I just recently looked at my credit report XX/XX/XXXX, I noticed some that it showed hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX. XXXX XXXX. XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-10-28
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

Dear CFPB, I am writing to re-open this case for the following reasons : Complaints were neither timely responded nor properly addressed. Further, respondents disregarded notification I would be out of the country and unavailable. 

Attached documentation confirms : - After XX/XX/XXXX XXXX, BofA mails a letter stating they have ... forwarded concerns to legal counsel- they will respond directly - XX/XX/XXXX form letter states Were reporting this account has never been delinquent. This is perjury, based upon documentation. BofA has provided no documentation supporting their statement - XX/XX/XXXX form letter states Were reporting this account has never been delinquent. This is perjury, based upon documentation. BofA has provided no documentation supporting their statement - No XXXX XXXX, clearly marked INSUFFICENT ADDRESS XXXX XXXX dated letter. Counsel perjures themselves/their clients in numerous manners, just a few of which include, falsely stating I had access to automated payment systems that had been revoked until XXXX. Counsel further perjures themselves/their clients by falsely stating they deny allegations that XXXX has a prior pattern of holding payments, not cashing them, or falsely demand [ ing ] late fees. These are also documented and a matter of public record. BofA et al violated the terms of our settlement agreement and misrepresent its contents. Their violations damage several people. 

- After XX/XX/XXXX XXXX, BofA mails a letter stating they have ... forwarded concerns to legal counsel- they will respond directly. No such response had been provided, nor has any matter subject of complaints been honestly addressed/resolved satisfactorily - Corrected statements with proper accounting of amounts due remain outstanding for every month from XX/XX/2020 forward Kindly refer to prior correspondence and resolution requested therein. 

SIncerely, XXXX XXXX
Consumer complaint received 2024-07-03
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. (TX)

sent letters out to the bureaus eperian, XXXX, and XXXX on XX/XX/year>, XXXX, XXXX, XXXX  and XX/XX/year>. It has been over 90 days and the creditors have not responeded. Please deleted and removed the following accounts if not verified and validated. 

XXXX. XXXX XXXX XXXX {$1000.00} XXXX. XXXX XXXX XXXX {$930.00} XXXX. XXXX XXXX XXXX {$870.00} XXXX. XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$600.00} XXXX. XXXX XXXX XXXX {$480.00} XXXXXXXX XXXX XXXXXXXX {$190.00}
Consumer complaint received 2024-07-02
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: Experian Information Solutions Inc. (SC)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. Please see attached file for these items I am complaining. 
"
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CA)

The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations