davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
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. (CA)

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in removing the accounts from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Also, I contact the companies thru a phone call and they said to fix this. Please conduct a thorough investigation into the reported late payments on my accounts and take the necessary steps to remove them from 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
Consumer complaint received 2024-07-18
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY (AL)

I have an American Express card where I had no interest on purchases for 18 months, ending in XX/XX/XXXX ( paid it off in XX/XX/XXXX ). I recently discovered that for XXXX and XX/XX/XXXX I have been paying {$0.00} per month in interest fees. When I inquired with American Express the representative told me that it was interest on the annual credit card fee. The XXXX XXXX states that if you make more than the minimum payment on your credit card bill, your credit card company must apply the excess amount to the balance with the highest interest rate. 

I have always made payments much higher than the minimum payment due. As I understand the Act, my payments should have first been applied to the annual fee since it carried the highest interest rate. 

If American Express has been doing this to all of its customers since XX/XX/XXXX when the CARD Act rule went into effect they have potentially cheated their customers out of millions of dollars. 

Please also note that American Express charged me the annual credit card fee on XX/XX/XXXX. The first interest fee of XXXX {$.00} was charged to me on XX/XX/XXXX as well THE SAME DAY The annual credit card fee was charged. No time had passed on that charge before they started charging me interest.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

As of XXXX, I XXXX XXXX recently reviewed my consumer profiles on XXXX, XXXX and Equifax and noticed a collection account from XXXX XXXX XXXX reporting a balance from XXXX XXXX XXXX XXXX for {$1500.00}. It is unlawful to report medical information on my consumer credit profile. 15 U.S. Code 1681a 3 ( A ), ( B ) and ( C ) states : Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. The said policy is also reiterated in 12 CFR 1022.30 ( b ( ) 2 ) : General prohibition on obtaining or using medical information ( 1 ) In general. A creditor may not obtain or use medical information pertaining to a consumer in connection with any determination of the consumer 's eligibility, or continued eligibility, for credit. The reporting of my personal medical information on XXXX, XXXX and Equifax are major violations of my federally regulated rights. This reporting has caused pain, harm, duress and discrimination to my person. As a result, I would like this XXXX XXXX XXXX account to be removed from my consumer profiles on XXXX, XXXX and Equifax immediately. Thanks for your cooperation. Without Recourse - XXXX XXXX.
Consumer complaint received 2023-11-20
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Hayt Hayt & Landau, P.L. (FL) (FL)

To the CFPB I'm submitting this complaint against XXXX XXXX XXXX XXXX XXXX because this bank and or collection agency actually violated federal laws, FCRA, FTC. I have made contact by phone to ask them to validate these accounts. 
I was not aware of a legal action against my person back in XXXX. This collection agency acted unlawful by summing this action to collect two accounts that someone, with out my permission, was opened at XXXX XXXX XXXX XXXX XXXX. I need a full investigation on my behalf. I'm over XXXX XXXX XXXX XXXX and considered a XXXX XXXX. 
This account was never validated. Under federal laws, I need all documents when this account was open. I understand that XXXX XXXX XXXX XXXX XXXX. closed this account because of fraud. I am in need of the whole application and documents to be able to validate this account.

1 application 2 first day of delinquency 3 payment history 4 history of reporting to credit bureau 5 assignment of sale from EQUABLE ASCENT FINANCIAL LLC TO XXXX XXXX XXXX XXXX 
6 a break down of interest and fees 7 legal fees if applicable 8 name of the judge on the default judgment if applicable 9 bar number from the lawyer that submitted the complaint if applicable 10 collection agency number to collect in my state.

11 ACCOUNT # XXXX
Consumer complaint received 2024-06-23
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)

The EDFINANCIAL accounts listed in the FTC report that Im attaching are results of identity theft. I have contacted the credit bureaus numerous times regarding this matter, and nothing has been done to remove these accounts. I'm attaching documentation in regard to this identity theft. I have requested that EDFINANCIAL provide the AGREEMENT and SIGNED AGREEMENT WITH MY LEGAL SIGNATURE to show full ownership of such an account and also other documents.
Consumer complaint received 2024-06-19
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. (NY)

I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

XXXX, XXXX, & Equifax are reporting incorrect information. I have previously disputed this same information and they claim to have updated my report but they did not. This is my final latte or to get you to report correct information before I sue in a federal court for various vol of federal law. For the last time my name is XXXX XXXX there should be no other names listed, my address is XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX there should be no other addresses listed they are not mine and you dont have actual proof that I reside there or have ever resided at such address. Delete the information immediately.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

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 XX/XX/year> 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 2024-06-21
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. (CA)

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 XX/XX/year>
Consumer complaint received 2024-06-23
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)

Hi EQUIFAX, I JUST RECEIVED COPY OF MY CREDIT REPORT AND I FOUND THIS FRAUD CHARGE CARD THAT WERE OPENED WITHOUT MY KNOWLEDGE. 

XXXX XXXX XXXX XXXX XXXX CREDIT CARD WAS OPENED BY FRAUD WHO STOLE MY IDENTITY AND MY WALLET. 

THIS XXXX XXXX FRAUD ACCOUNT XXXX SHALL DELETE FROM MY CREDIT REPORT. THIS FRAUD ACCOUNT BALANCE IS {$1600.00} AND I SHOULD NOT BE RESPONSIBLE FOR SOMETHING I NEVER OPENED/ FRAUD ACCOUNT.
Consumer complaint received 2024-06-24
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)

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX Todays date XX/XX/XXXX I have recently disputed this account it was updated but my request was to DELETE ACCOUNT NAME XXXX XXXX  ACCOUNT # : XXXX XXXX U.S. Code 1087e - Terms and conditions of loans 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days CREDIT BUREAUS FED LOAN IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already made an identity theft claim thank you.
Consumer complaint received 2024-06-19
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)

XXXX XXXX Account Number - To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
{ Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
2. The date you contacted the individual funishers of information. 
3. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law
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. (TX)

I am writing to follow up on the unresolved issue regarding the inaccurate reporting of late open accounts on my credit report. I am deeply frustrated by the continued presence of these inaccuracies and the lack of resolution. The persistent presence of these inaccuracies is unacceptable and reflects poorly on your organizations commitment to accurate reporting and customer service. It is imperative that this issue be escalated immediately to ensure a thorough and expedited resolution. I would like to ensure that the late open account is accurately reported on my credit file, reflecting their true status. The Credit Bureaus failed to address this issue promptly that had leave me with no choice but to escalate the matter further, including seeking assistance from you to ensure compliance and protection of my consumer rights. Please help me correct the account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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. (NY)

I see some items on my credit report that I dont know. It looks like someone might have stolen my identity because I didnt approve these accounts. Ive talked about this before, and now Im asking for these accounts to be taken off my report quickly. Having these accounts on my report is causing me stress. They dont show my real credit history or how I handle money, and its been hard dealing with this. If we cant fix this, Im ready to go to court to protect my rights and find a solution. These wrong items on my credit report are a big problem for me. Theyre stopping me from reaching important money goals, like buying a house and supporting my family. I hope we can fix this problem soon.
Consumer complaint received 2023-07-18
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc. (FL)

This report is a follow-up to a systemic breakdown amid the United States Department of Education 's former loan servicer, " Great Lakes '' for direct student loan consolidation. 
[ My Previous Complaint # : XXXX, XXXX, XXXX, XX/XX/2022, XX/XX/2022 ] Formerly, I had a complaint concerning roughly XXXX points being deducted from my credit report by XXXX and XXXX due to a U.S. Department of Education loan consolidation on XX/XX/2022. Recently, I discovered via reliable media sources that the disconnect was caused by a coding error through Great Lakes, which reported 5 million borrowers as incorrectly having a loan deferment status in lieu of a current payment status.

Therefore, the borrowers credit scores were lowered and negatively impacted. 
Great Lakes has stated via the media that they are working with the credit reporting agencies to rectify these inaccuracies. However, I tried calling their number listed and was unable to initiate contact with the company. 

In closing, I am requesting that Great Lakes contact XXXX and XXXX on my behalf to rectify the situation at hand. The deduction of XXXX points from my credit file has never occurred during my fiscal lifetime. I trust a speedy resolution will be reached with all borrowers -- who were impacted by the Great Lakes ' coding error as well. 

Thank you, kindly, XXXX XXXX XXXX
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (WI)

My account withXX/XX/XXXX was never late! I have had exceptional payment history with XX/XX/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 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 on those accounts 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. XX/XX/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 XXXX 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 2024-06-19
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. (NJ)

I was looking at my consumer report and noticed some charge offs and late payments reporting on my consumer report. In accordance with Fair CREDIT REPORTING ACT, I Hereby request an investigation into these items and their subsequent removal from my credit report. Please remove these charge offs from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  these agencies has violated the maximum possible accuracy law under the Fair Credit Reporting Act ( FCRA ) which is 15 USC 1681e ( b ) as you are clearly reporting information that is NOT 100 % accurate. Should you continue to report this information, this leads way to you violating 15 USC 1681s-2, because you now have reasonable cause to believe the information is inaccurate, so you would be WILLFULLY continuing to violate various federal laws by continuing to report this information thats harming my character. Also For the agency XXXX XXXX XXXX has been reporting multiple late payments on my credit report has violated my consumer rights under the Fair Credit Reporting Act ( FCRA ) or 15 USC 1681 ; I have suffered emotional distress as a result of this matter and I have felt suicidal lately as a result so I am requesting this matter be resolved in a fair and equitable manner. Also, this agency has violated the timing of payments law under 15 USC 1666b. 
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Your agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 
These reported late payments are not only a violation of federal law, but they have damaged me in the form of defamation of my character and your agency has committed aggravated identity theft, because I didnt give you written permission to report this information, which is a clear violation of the permissible purposes section of the Fair Credit Reporting Act, pursuant to 15 USC 1681b ( 2 ). 
I am demanding you to notify the consumer reporting agencies to correct the above late payments from my consumer report to a status of paid on time, never late.
Consumer complaint received 2022-01-10
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (IN)

Unwanted fee/charges are being added to my monthly mortgage without my knowledge or consent. I have had XXXX '' barrower requested title search '' Put on my mortgage from XXXX XXXX to XX/XX/2021. At No time did this Barrower Request Such a thing. 
Statements : XXXX  2021 13 title searches {$420.00} We paid XX/XX/2021 XXXX title searches and attorney Fee {$450.00}. We paid XX/XX/2021 XXXX title searches {$360.00}. We paid XX/XX/2021 XXXX title searches {$320.00} I did not pay! 
XXXX-Called customer Service at Pennymac, was told these charges are from my " municipal ''. 
I asked exactly who that was - never got a straight answer, Just told My town. I Told pennymac rep then to stop charges. THis was against my knowledge and consent. 
The next month Sent email, Asking about new charges and attorney fee. My last email in XXXX I stated, That all of these charges being put on my mortgage without my knowledge, and consent was against my privacy rights. Where are my Rights in this issue when Anyone " municipal " or whoever can have charges added to your acct without you knowing. 
Pennymac has held up the sale of my home, I was suppose to close on this home End of XXXXXXXX XXXX months later we are still waiting to close, with that being said, I truly do not need all of these extra charges on top of the expense of 2 households. They have had no regards for our privacy or our wellbeing as a customer with outstanding good credit and credit history with them. 
Pennymac needs to refund ALL fees.