davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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

Account Information : Creditor 's Name : XXXX  Account XXXX : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payments were made on time, which falls within XXXX 's 15-day grace period. Therefore, the account should not have been reported as 30 days late. 
System processing error : I submitted my payment through the XXXX account portal. However, due to a system delay, the payment was not processed until after the due date, even though it was submitted on time. I was not notified of this delay until after the reporting of the late payment. 
Evidence provided : I have attached bank statements and payment confirmation emails showing that the payments were made on time, demonstrating that the late payments were caused by a processing error and not a failure to pay. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

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

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

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

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-06
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. (IL)

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and it you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : 109 1. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v.

Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Delete these items immediately XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}
Consumer complaint received 2024-10-06
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. (MN)

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Consumer complaint received 2024-10-06
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. (FL)

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX  XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (WV)

I XXXX XXXX XXXX, XXXX, beneficiary, and Executor of the XXXX XXXX XXXX ESTATE have been seeking immediate action from the Fiducairy Trustees and Data Custodians over the inaccurate and unauthorized consumer reporting of accounts, false and misleading information, obligations, and transactions ; Breach of privacy on the Estate and defamation of character has occurred by actions taken or not taken. Trustees are currently acting in a malfeasant way and are in breach of Trust and fiduciary duty by said actions. 

The XXXX XXXX XXXX XXXX have failed to adequately remedy or investigate the matter under equity.
Consumer complaint received 2024-10-06
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. (AL)

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.

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.
Consumer complaint received 2024-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (MA)

Subject : Formal Complaint Regarding Unresolved {$12000.00} Refund with Citi Credit Card Dear Sir/Madam , I am submitting a formal complaint regarding an ongoing issue with my Citi AT & T More credit card account ( ending in XXXX ). On XX/XX/XXXX, a payment of {$12000.00} was made from a business checking account ( XXXX XXXX, ending in XXXX ), which resulted in a negative balance on my credit card. The payment is valid and was made by someone I know. I contacted Citi customer service to request a refund of this negative balance via check sent to my billing address. 

In XXXX, I received a letter from Citi asking for a payment receipt for the {$12000.00} transaction. However, the letter did not outline any deadlines or consequences for not providing the receipt. On XX/XX/XXXX, Citi rebilled the {$12000.00} to my credit card account, which was reflected in the XXXX statement. 

On XX/XX/XXXX, I faxed the required payment receipt to Citis payment department, and on XX/XX/XXXX, I received written confirmation that they had received the receipt. Then, on XX/XX/XXXX, Citi sent a letter stating that my account had been credited with {$12000.00} as shown in the XXXX statement, which is incorrect. 

Despite numerous calls to Citis customer service and attempts to escalate the issue, the matter remains unresolved. I am requesting your assistance in either issuing a refund of {$12000.00} or crediting the amount back to the original business checking account ending in XXXX. 

Attached are the relevant statements, receipts, and correspondence for your review. I would greatly appreciate your prompt resolution of this matter. 

Sincerely,
Consumer complaint received 2024-09-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I want to bring to your attention that XXXX  XXXX XXXX XXXX has repeatedly reported inaccurate information, which violates state and federal laws and has negatively impacted my credit. This has happened for the third time. Each time, I have had to file a complaint with Equifax to rectify the situation. Suddenly, they reported 33 late payments on my credit report, causing my credit score to drop by over XXXX points. I am currently in the process of buying a home, and this has significantly affected my plans. I have been making payments consistently for 5 years, with the amount deducted from my Social Security and paid directly to XXXX XXXX. Even after I paid off the account at one point, they failed to report it accurately. The balance in 2020 was approximately $ XXXX, but it is now under {$600.00}. I have proof of statements and deductions from Social Security to support my claims. I have also sought legal representation from XXXX XXXX XXXX to file a complaint against XXXX XXXX XXXX XXXX, Equifax, and XXXX XXXX
Consumer complaint received 2024-09-15
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: GOLDMAN SACHS BANK USA (NC)

XXXX 's official store willingly or accidentally misleads customers into inadvertently opening a second credit. 


XXXX XX/XX/year>. 
I already have XXXX 's Goldman Sachs credit card, and, via the official apple store, I tried to finance an iphone using this card card. Their checkout process offers XXXX official " XXXX '' branded financing options and it is unclear that XXXX of them is with a new bank, " citizens XXXX ''. I accidentally selected the wrong " XXXX '' branded financing and accidentally opened a new card due to XXXX 's confusing website. 

XXXX XX/XX/year> I have since cancelled this order and XXXX says the account will be on my credit report as " closed ''.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am writing to lodge a formal complaint against TransUnion for failing to accurately verify and rectify incorrect information on my credit report. Despite multiple disputes and requests, TransUnion has not complied with their obligations under the Fair Credit Reporting Act ( FCRA ). 
TRANSUNION IS THE ONLY BUREAU THAT IS REPORTING THIS ACCOUNT. 

**Details of Disputed Information : ** 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 XXXXXXXX **Nature of Dispute : ** These accounts do not belong to me and have been inaccurately listed on my credit report. Despite contacting TransUnion numerous times, they have failed to : - Provide a detailed description of the verification method. 
- Supply evidence proving the ownership of these accounts.

- Offer contact information of the verifying creditors.

The inaccurate information has caused significant distress and negatively impacted my financial standing. I believe TransUnion is violating the FCRA. I request the CFPB to investigate this matter and ensure TransUnion complies with federal regulations by properly verifying the disputed accounts or removing them from my credit report.

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-10
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 have been disputing a company called XXXX XXXX, they have been removing and replacing the same account for months now, they arent letting me know that they are adding it back and they also are not sending me proof of the original signatures, so those are 2 violations of my rights. 

XXXX XXXXXXXX keeps adding and removing late payments but I was never late and they wont fix the billing error permanently. 

XXXX has a billing error and wont update payment history to paid on time. 
XXXX also has another account that they wont remove an account that is unverifiable. 

And also XXXX Equifax and XXXX are removing accounts that should be on my report. 

There are many violations that need to be fixed immediately, their may be more as you will see in the letters provided below.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I am filing this complaint against XXXX regarding the inaccuracies and unresolved issues in my credit report concerning my XXXX XXXX account. Despite my previous disputes, XXXX has failed to accurately update my payment history and account status. 
Account Details : Account Name : XXXX Financial Account Number : XXXX... 
Date Opened : XX/XX/XXXX Dispute Details : I received an extension from XXXX XXXX for payments for the months of XXXX and XX/XX/XXXX, which pushed my payments to XX/XX/XXXX. My next payment was due on XX/XX/XXXX. Despite this extension, XXXX continues to report late payments for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ( which was paid on time ), negatively impacting my credit score. I have provided evidence of the extension to XXXX, but the errors have not been corrected. 
Account History : XX/XX/XXXX : Reported 60 days past due XX/XX/XXXX : Reported 30 days past due XX/XX/XXXX : Reported 30 days past due I have attached a screenshot of my XXXX report showing the incorrect information. I request the CFPB to assist in resolving this matter by ensuring XXXX accurately updates my payment history and removes the incorrect late payment entries. 
Attachments : Screenshot of the XXXX report XXXX XXXX XX/XX/XXXX Statement XXXX XXXX XX/XX/XXXX Statement XXXX XXXX Payment Extension Agreement Thank you for your assistance in this matter.
Consumer complaint received 2024-09-23
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. (IN)

Why do the negative accounts still remain on my credit report until now, even though I have long wanted to have them removed? I have filed numerous complaints about this, yet they have taken no action. I now want the negative accounts to be removed and the responsible parties to be fined appropriately because their inaction has greatly affected me
Consumer complaint received 2023-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (NJ)

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. Again, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!
Consumer complaint received 2024-10-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am submitting this complaint because I have encountered ongoing difficulties accessing my free annual credit report through TransUnions website and mobile application. Additionally, I have been unable to file disputes through their online platform, a right protected under federal law. Despite multiple attempts to log in and resolve this issue, I continue to be denied access. 

Key Issues : Login Attempts : I have made numerous attempts to log in using my credentials, but I am consistently met with error messages that prevent me from accessing my account. 
Customer Support : I have reached out to TransUnions customer service on multiple occasions. However, I have not received a solution. [ List dates, times, and representative names, if available. ] Dispute Functionality Blocked : Beyond the login issue, I am also unable to submit disputes online, infringing on my right to challenge inaccuracies on my credit report.

Potential Violations of Consumer Protection Laws : XXXX. Fair Credit Reporting Act ( FCRA ) : TransUnion is impeding my legal right to obtain my free annual credit report ( 15 U.S.C. 1681g ) and to dispute any inaccuracies on my report ( 15 U.S.C. 1681i ). By blocking my access, they fail to uphold the requirement for reasonable measures to maintain report accuracy ( 15 U.S.C. 1681e ).

2. Consumer Financial Protection Act ( CFPA ) : TransUnions refusal to provide me with accessible credit report information and dispute options may constitute an unfair, deceptive, or abusive act ( 12 U.S.C. 5531 ), contravening the protections established under CFPA. 
XXXX. Federal Trade Commission XXXX ( FTC XXXX ) : By restricting access to my credit report and preventing me from filing disputes, XXXX actions XXXX fall under unfair or deceptive practices, which are prohibited by the FTC XXXX ( XXXX U.S.C. XXXX ). 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXt : These practices could violate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) by unjustly limiting my ability to access and manage my credit information. 
XXXX. Electronic Signatures in Global and National XXXX XXXX ( XXXX XXXX ) : TransUnion XXXX be violating the E-Sign Act ( XXXX U.S.C. XXXX ) by offering electronic access to credit reports and disputes without ensuring they are accessible. 
XXXX. Equal Credit Opportunity Act ( ECOA ) : By obstructing my access to my credit report and the ability to dispute errors, TransUnion could be affecting my credit history access, a potential violation of ECOA ( XXXX U.S.C. XXXX ). 
XXXX. Fair and Accurate Credit Transactions Act ( XXXX ) : TransUnions actions XXXX infringe upon my rights under FACTA ( XXXX U.S.C. XXXX ), limiting my ability to monitor for identity theft and safeguard my credit. 

Please address these issues promptly, as my access to accurate and complete credit information is critical for managing and protecting my credit health.