davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

The items listed below are reported on my 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 regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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
Consumer complaint received 2023-11-06
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

When I returned from a 2 month trip out of state near the end of XXXXXXXX XXXX I found I had recieved letters from various credit card companies denying request for credit or asking for more information. When I called these companies Requests had been made on line around XXXX XXXX XXXXXXXX further investigation found that someone had my name, address, email, phone no., social security number and my drivers license number. 

I filed ID Teft report with FTC and police report with XXXX XXXX Sheriff I also recieved a letter in the mail from Bank of America stating that my credit line had increased. I had receved no other form of communication from BOA at that time. 

When I reviewed my statements, I found a {$22000.00} balance transfer of {$22000.00} was made on XX/XX/XXXX to a XXXX Checking account that was not in my on tthe account. I called XXXX and was able to verify my name was not on the account and they notified me that that account had been closed due to fraud. They would not give me name or address on the account. 

My first call to Bank of America was XXXX  when they opened a claim and credited account. 
XX/XX/XXXXXXXX  denied said I had seen the statments and paid on the card. Problem was, I did review statements while on vacation. i simply paid a little more than minumum on the cards to keep them current XXXX re-opened XXXX denied XXXX called again Gave BOA the information on the XXXX Transaction and the it was closed due to fraud. Told it was escalated. 
XX/XX/XXXX denied XX/XX/XXXX called and verbally asked for documentation used to make the decision. 
XX/XX/XXXX Called and requested infor again. Mailed registered letter to BOA requesting documentation on the transaction and the decision to deny calim. i also submitted copy of police report and identity theft report. 
XXXX BOA recieved letter XX/XX/XXXX Called and was told claim is still in progress XXXX called and told claim was denied and closed out, but the last message I recieved was XX/XX/XXXXXXXX - tried to get a supervisor, but was disconnected while waiting. 

It's frustrating that I have recieved no communation from BOA since XX/XX/XXXXXXXX I recieved no communication from BOA when a {$22000.00} transaction was made by phone. 

Bank of America has not done due diligence in investiagating this fraudulent transaction or responding to my questions and requests for documentation.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CT)

My account with ( XXXX, XXXX XXXX XXXX ) 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. 


( XXXX, XXXX XXXX XXXX ) 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance XXXX {$9800.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXXXX/XX/year>
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (NC)

I have previously filed a complaint against Mohela for how they handled my XXXX, undercounting payments and being impossible to reach but this was essentially closed due to the Department of Education taking over this count. Mohela 's count was XXXX and I've made XXXX qualifying payments. This is confirmed by XXXX and I am told by them that it is being processed. I have informed Mohela of about this but Mohela continues to harass me for payment even though I have asked repeatedly for forbearance/suspension of payments until this is resolved. They claim I did this on XX/XX/XXXX when I had previously made such requests before. As they continue to harass me with letters of accumulating interest and payments due, when I call their customer service number it is still difficult reaching them and I am greeted with a threat to turn me over to a collections agency. ( Further, I am temporarily XXXX, a forbearance that my previous servicer XXXX honored but Mohela has ignored. ) I filed a complaint through XXXX and received a letter attached which I interpret to put the onus on me to do something further ( with no explanation on what other than to call a number that is nearly impossible to reach ) and further harass me for payment with the excuse they have no information on my XXXX This letter is attached. Mohela has been an adversarial and predatory student loan servicer and I wish to reopen my complaint against them.
Consumer complaint received 2022-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. 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.

This company 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 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

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 filXXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MI)

I was going back-and-forth with XXXX XXXX credit card services on them reporting that my account was late, but my account was compromised due to fraud and authorized payments were used. So due to fraud, they sent me a letter saying that my account was never late, but the credit bureau will not change that.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (SC)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-07-04
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. (NC)

I'm reaching out because I'm really concerned about some issues I've been having with the credit bureau. I've noticed false account listings, a lot of unauthorized inquiries, inaccurate credit reports, inconsistent billing, and even accounts that aren't mine. These problems are impacting my financial security, and I need help to get them resolved. Could you please look into these concerns and let me know what steps I should take next?
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: EQUIFAX, INC. (SC)

I have reached out to XXXX, Equifax, & XXXX to have XXXX inaccurate collection accounts removed from my credit report several times. The first request was submitted on XX/XX/year>. I have asked all XXXX of these companies to verify these alleged debts, and I have not received a response, however, my credit profile has been updated to show that the collections meet FCRA guidelines which is false. I have disputed both by mail and online. The online dispute came back verified the same day, in which, the credit bureaus have not even had time to reach out to the collection agency to verify a debt. I have also reached out to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, the XXXX companies that are reporting inaccurate information to the above-named credit bureaus and they have yet to supply the information requested and it has been more than 30 days.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NH)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-04
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)

This is my twelfth attempt to address the faulty credit reporting affecting my credit records. Under Section 605B ( a ) of the Fair Credit Reporting Act, you are mandated to remove any items opened without my knowledge, consent, or authorization within four business days upon receiving : ( 1 ) proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) identification of the disputed information by me, and ( 4 ) a statement from me declaring that the information does not pertain to any transaction I have conducted. The following accounts are inaccurate and need to be removed : XXXX : XXXX XXXX Balance Owed : {$1900.00} ; XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7500.00} -- -- -- -- -- -Equifax : XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$1900.00} ; XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7500.00} -- -- -- -- -- XXXX : XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$1900.00} ; XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3300.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$7500.00}. If you assert that these accounts are entirely accurate and verifiable, I request copies of any documentation bearing my signature, as I believe none exists. If no signed agreement with my signature is found, these accounts must be removed from my file. You have four business days to correct the inaccuracies in my credit file. I do not consent to the use of XXXX or any automated verification processes.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It has come to my attention that you are not removing records as required, even after I provided a copy of the FTC report. In accordance with regulation 605b of the FCRA, I am submitting this complaint to help establish a legal response. If you do not remove the following items listed below, which are inaccurately reported due to fraud, I will hand my documents over to my attorney to initiate legal action. It is my intention to avoid pursuing any legal action, so please comply with the law. 
XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX Balance : {$940.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NJ)

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX