davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

I am writing to follow up on my previous attempts to have fraudulent items removed from my credit report. Despite my numerous efforts, these items remain on my report, negatively impacting my credit score. I have already contacted your office on XXXX separate occasions, providing evidence of fraud and requesting the removal of these items. Enclosed, please find copies of my previous dispute letters and your responses, along with additional supporting documentation. Given the ongoing nature of this issue and the lack of resolution, I am requesting immediate action to delete these fraudulent items from my credit report. Failure to do so will leave me no choice but to escalate this matter further. Kindly help me remove the following items immediately : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (OR)

On XX/XX/year>, I established an XXXX - XXXX XXXX for {$760.00} with XXXX fixed monthly payments of {$67.00}, which includes a fixed principal payment of {$63.00} and a fixed monthly fee of {$3.00}. The XX/XX/year>, statement accurately reflected these terms. 
The plan 's monthly processing expectations ( rules ) are : XXXX. The number of remaining payments decreases by XXXX each month. 
XXXX. The remaining principal decreases by a fixed amount of {$63.00} monthly. 
XXXX. The monthly principal, fee, and payment due remain fixed for the XXXX duration. 
However, to my horror, the following wild discrepancies have occurred : XX/XX/year> XXXX : The remaining principal remained at {$760.00}, the number of payments did not decrease ( still XXXX ), the fixed monthly principal increased from {$63.00} to {$120.00}, the fixed monthly fee doubled to {$7.00}, and the fixed payment due increased from {$63.00} to {$130.00}. 
XX/XX/year> XXXX : The remaining principle decreased slightly ( less than the fixed monthly principle ) from {$760.00} to {$710.00}, but the number of payments remained at XXXX. The fixed monthly principal payment increased from {$130.00} to {$140.00}, the fixed monthly fee returned to {$3.00} ( original ), and the fixedpayment due increased from {$130.00} to {$140.00}. 
XX/XX/year> XXXX : The remaining principal decreased significantly to {$570.00}, the number of payments correctly decreased to XXXX, the fixed monthly principal payment returned to {$63.00}, the fixed monthly fee remained at {$3.00}, and the fixed payment due returned to {$67.00}. 
Additionally, I established XXXX more XXXX XXXX in XX/XX/year>, with the following terms : XXXX XXXX - Plan ( XX/XX/year> ) : Total of {$2400.00} with XXXX fixed monthly payments of {$100.00} and no monthly fee. The XX/XX/year>, statement accurately reflected these terms. 
XXXX XXXX - Plan ( XX/XX/year> ) : XXXX of {$1100.00} with XXXX fixed monthly payments of {$49.00} and no monthly fee. The XX/XX/year>, statement accurately reflected these terms. 
However, the XX/XX/year>, statement shows inconsistent processing for these XXXX plans : XXXX XXXX - Plan : The remaining principal balance correctly decreased by the monthly principal amount and showed 23 months remaining. 
XXXX XXXX - Plan : The remaining principal balance was reduced by a non-specified amount, which was less than the monthly principal amount, and the statement incorrectly showed XXXX remaining payments. 
These significant and repeated discrepancies in my XXXX XXXX statements have caused considerable confusion and frustration. I request an immediate and thorough review of my account to correct these errors and ensure the terms of my plan are accurately reflected in all future statements. Additionally, I expect a detailed explanation of how these mistakes occurred and what steps will be taken to prevent similar issues in the future. I hope for a prompt and satisfactory resolution to this matter.
Consumer complaint received 2024-07-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I disputed this account and asked for proof from the original creditors of these collection companies that the debt collector owns this debt and has the legal authority to collect it or delete this account. 

PORTFOLIO RC with account # XXXX
Consumer complaint received 2024-07-11
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)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

My account with EQUIFAX 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 in ( MONTHS REPORTING 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. 


EQUIFAX 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 2024-09-10
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. (FL)

This debt collector has engaged in abusive, deceptive, and unfair practices, which are prohibited under the Fair Debt Collection Practices Act ( FDCPA ). They reported an account that I neither agreed to nor signed any contract for. A valid legal contract requires the signatures of both parties, and I did not participate in this agreement. Furthermore, they failed to follow the required five-step validation process, which constitutes unfair practices. Under the FDCPA, I am entitled to {$1000.00} per violation, and it is evident that my rights have been violated in this instance.
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX 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 : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed on XX/XX/XXXX, well before the due date. 
Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion 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 2024-07-11
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)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XX/XX/XXXXXX/XX/XXXX
Consumer complaint received 2024-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (TN)

I called the collection agency and told them that the debt I seen on my credit report was not mine and that it was obviously identity theft I had no knowledge of the debt I asked them to investigate and I asked them to remove it from my credit report they've been sent me a letter in response saying that I needed to provide all kinds of information and paperwork that I did not have, so I filed a dispute with the credit reports and it's still on there and I needed to be removed I have no knowledge of this that or several other things on my credit reports I believe my identity has been compromised
Consumer complaint received 2024-07-11
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)

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. This account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I OBTAINED ANOTHER COPY OF MY CREDIT REPORT AND NOTICED ANOTHER ACCOUNT THAT I HAVE NO KNOWLEDGE OF HAS BEEN ADDED TO MY ACCOUNT. I CONTACTED THE CREDIT REPORTING AGENCIES BY PHONE AND CERTIFIED MAIL. I REQUESTED THAT THE ACCOUNT BE VERIFIED, AND THIS ACCOUNT IS UNVERIFIABLE BUT STILL BEING REPORTED TO MY CONSUMER PROFILE.

I HAVE NO KNOWLEDGE OF THIS CREDITOR AND HAVE NOT GIVEN WRITTEN CONSENT FOR THIS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681.

FURTHERMORE, REPORTING ACCOUNTS DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2.

REPORTING FRAUDULENT ACCOUNTS IS SEVERELY IMPACTING MY CREDIT AND THE CREDIT REPORTING AGENCIES HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY. REPORTING AN UNVERIFIED ACCOUNT IS IN VIOLATION OF 15 USC 1681 EB DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2023-11-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$640.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Consumer complaint received 2024-06-21
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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.

Please REMOVE these inaccurate accounts and unauthorized inquiries stated in my credit report, TODAY!
Consumer complaint received 2024-07-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/24 my account was closed because I detected a fraudulent transaction of large amount at Wells Fargo Bank ; that day I went over all my transactions from XXXX and saw that a check of {$3800.00} ( smaller than the previous fraudulent transaction ) without my signature was cashed on XX/XX/1924 and right away I filed a complaints ; The bank replied that they could not do anything ; then I stepped by XXXX XXXX XXXX were the XXXX escalated the complaints. They emailed me on XX/XX/24 asking not to do anything and will inform me of their finding no later than XXXX of XXXX. I waited to XX/XX/XXXX ( this pass Monday ) to call and XXXX told me they can not do anything, that a supervisor will call me. Yesterday XX/XX/XXXX, XXXX called me and said that they can not do anything, and said that I have to check with XXXX were the check was deposited. I told her : XXXX has nothing to see with that because they are the guardian of my money, they should not clear this money as my signature is not on it and on top of that the serial does not even exist. Anyway, I scheduled an appointment with XXXX and this morning ( XX/XX/24 ) I spoke with Banker name XXXX and as you can XXXX, he said that XXXX has nothing to do with that cause Wells Fargo had cleared the check. I need my money because I worked hard for it. Furthermore, as I told all of them, Wells Fargo is not a credible financing institution to secure our money.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

The credit reporting agencies are still reporting this account as delinquent. I have received a 1099c from the IRS that XXXX XXXX filed that shows the debt was canceled.. I want this information to reflect on my credit filing with the credit monitoring companies. My credit scores are being.negatively affected by this information.
Consumer complaint received 2023-05-28
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: EQUIFAX, INC. (CO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-07-25
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC. (AK)

PennyMac refuses to charge me the correct amount regarding escrow for my updated homeowners insurance. They force me to overpay into the escrow account rather than do an updated escrow analysis after I have requested it so that it reflects the proper amount owed. 

They refuse to offer a refund in a timely matter, in violation of Real Estate Settlement Procedures Act subsection 1024.34
Consumer complaint received 2024-07-20
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: OLD NATIONAL BANCORP (NJ)

OLD NATIONAL BANK XXXX BEEN OPEN SINCE XXXX ACCOUNT IS NO MINE.FOR THE AMOUNT {$20000.00} DISPUTE THE ACCOUNT WITH XXXX DIFFERENT LETTER THEY ARE REFUSING TO DELETE THE ACCOUNT OF MY CREDIT REPORT.
Consumer complaint received 2024-09-05
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. (TX)

To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( XXXX ). This information must be provided within 15 days of this request. I previously informed your company that I am a victim of identity theft and the Equifax data breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXXXXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX XXXX XXXX XXXX  XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately! 

XXXX - XXXX Misleading False Reporting This account is negligently and inaccurately reporting failing to comply with 15 USC 1692 ( g ) - The information in the article above has never been certified to meet reporting standards, the data provided is not always accurate, complete, or updated, I demand that any wrong, incomplete, or unsupported material be update as agreed on this payment history. Else, DELETE this account immediately!