davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-13
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. (DE)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And According to 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 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

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 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 XXXX  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 XXXX  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 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXXXXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX nor did I provide written consent for my credit report to be accessed.
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Consumer complaint received 2024-09-13
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. (TX)

To Whom It May Concern, This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report. These reports were lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act. The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Please provide proof that the information as contained on the reported tradeline is 100 % Accurate, Complete, Verifiable, AND Timely. Please re-investigate the accusations that are detailed below and ensure the precise facts to each and all are, as mandated, completely true, whole, correct, not outdated, specific, purposeful, mine, and adequately compliant to any obligations of your reporting bar none. 

XXXX XXXX XXXX XXXX XXXXXXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXXXXXX Accounting Error! How can there be a " Past Due- 30 Days Count '' when it clearly shows all " OK '' in the payment history? You are contradicting your claim. This is a violation and must be removed! Correct this at once! Also, By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX  - XXXX FDCPA Section XXXX Violation Misleading False Reporting -DELETE! 

XXXX XXXX XXXX XXXX XXXX Not all bureaus are reporting this account the way you are reporting this account. It shows a lot of inaccuracies and inconsistencies. Please remove this inaccurately reported account from this report. 

Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXXXXXX The Fair Credit Reporting Act ( FCRA ) requires credit bureaus to inform consumers when a creditor or other business entity performs a hard inquiry, or " hard pull, '' on your credit report and I was not informed. DELETE!
Consumer complaint received 2024-10-22
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO. (NY)

I leased a XXXX XXXX on XX/XX/XXXX for 36 months. I returned the car to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, NY on XXXX XXXX. The lease end date was XX/XX/XXXX. Chase Auto Finance, XXXX XXXX XXXX XXXX XXXX XXXX XXXX continued to deduct my XXXX payment XX/XX/XXXX, 14 days after I returned the car. They automatically deducted {$960.00}. I can understand an error but it has been over three weeks of constant calls and no one can give me a straight answer and I am made to feel as the criminal.

I contacted them, and was told that I had to turn off auto pay or it will happen every month. I then proceeded to turn of the auto pay, and request the refund of the 37th month payment on my 36 month lease. I was told they would send a check within 10 business days. After not receiving a check i contacted them again, only to be told they could not reimburse me for at least 60-90 days. I spoke with numerous supervisors who all said nothing. I contacted XXXX XXXX the dealership where I returned the car and they apologized. They also there was nothing they could do, it was a Chase Auto Finance matter. 

This is fraud, theft and abuse. They took an extra month lease payment after the car was returned and clearly have no intention of returning.
Consumer complaint received 2023-02-24
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. (KY)

After taking a friends advice and reading the FCRA, I noticed that the furnishing companies were in violation of my federally protected consumer rights. The list of accounts I have below have also been attached in my FTC Report. The section of the violations fall under consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : ACCOUNT NUMBER : XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which pre dates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.
Consumer complaint received 2024-08-28
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: PNC Bank N.A. (PA)

On or about XX/XX/year> I submitted several disputes however PNC Bank continues to harass me by sending me multiple duplicate copies of the same documents requiring the specific information. And to this day theyve done absolutely nothing on their part to investigate these claims
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I am writing to formally dispute a late payment on XX/XX/year> that has been reported on my credit file regarding my account number [ XXXX XXXX XXXX ]. I believe this information is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681a, 15 USC 1681s-2, and 15 USC 1681a ( 2 ) ( A ) ( i ). Under 15 USC 1681s-2, furnishers of information are required to provide accurate information to credit reporting agencies. I have reviewed my payment history and found that the reported late payment is incorrect. Additionally, according to 15 USC 1681a ( 2 ) ( A ) ( i ) With emphasis on 15 U.S.C. 1681 2 ( a ) ( i ) it says clearly that the consumer report does not include transactions or experiences and i do know that transactions and experiences are dealing with payment history, a consumer reporting agency must ensure that the information it provides is accurate and reflects the true payment history. I request that you investigate this matter and provide me with any documentation you have regarding the late payment, including the date it was reported, the amount involved, and any relevant correspondence related to my account. I am confident that upon review, you will find that this late payment should not have been reported. I would like this to be updated to paid on time, Please address this issue promptly, as it is affecting my credit score and overall financial standing. I would appreciate a response within 30 days to ensure we can resolve this matter efficiently. Thank you for your attention to this important issue. I will also be forwarding this dispute to the attorney general of my state.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Why must one suffer just because of their credit score? It's because of your company that does not review all information that are being reported on our credit files. I have sent out a complaint on my inquiry and has been constantly in stress because out of all my inquiries, only a few have been removed off of my report- negatively impacting not only my scores but also my mental health. On XX/XX/XXXX, I sent a complaint asking for a verifiable proof that all accounts are accurately being reported. None of which any of the companies I sent a complaint to responded with accuracy. I am disappointed.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NJ)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX XXXX opened on XX/XX/XXXX with a balance of {$700.00} under the account number unknown, XXXX  XXXX with a total balance of {$1600.00} opened on XX/XX/XXXX under the account number XXXX, XXXX XXXX  with a total balance of {$950.00} open on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX under the account number XXXX with, a student loan account with XXXX XXXX XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My account with those creditors 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 those account 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.

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 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Good day, I am sending and writing this complaint with extreme frustration and absolute certainty because there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and XXXX XXXX making me unable to achieve financial freedom and stability.
Consumer complaint received 2024-10-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Champions Funding, LLC (GA)

This loan was sold to XXXX XXXX XXXX before I could address the high interest rate and unfair closing costs. XXXX XXXX directed me to Champions Funding. 

Dear Champions Funding Team, I hope this message finds you well. I am writing to express my concerns regarding the terms of my recent mortgage agreement with your company. The loan was sold to XXXX XXXX XXXX last year. However, I am advised to address this concern with you as the loan 's originator. I purchased a home on XX/XX/year>, in XXXX, Georgia, and have encountered several issues that warrant your attention and review. 
1. Interest Rate : Despite having an excellent credit score of XXXX, I was assigned an interest rate of 9.125 %. This rate is significantly higher than the average rates for individuals with similar credit scores. Given my strong credit history, I believe this rate is unfair and not reflective of my creditworthiness. 
XXXX. Closing Costs : The closing costs for my mortgage exceeded {$30000.00}, which appears unusually high for a home priced at {$450000.00}. My pre-approval letter indicated a purchase limit of {$570000.00}, and I expected the closing costs to be proportionate to the purchase price. I should have received credit payments from the seller for the items that were not fixed at closing ( i.e. - the heat/air conditioner ). 
XXXX. Request for Review and Adjustment : I kindly request a thorough review of the closing policies that led to these high costs and interest rates. Additionally, I am seeking an adjustment or refund for any unfair closing costs incurred and a reduction in my interest rate to 5 %, which aligns more closely with current market rates for someone with my credit profile. My current credit score is XXXX. 
I appreciate your prompt attention to these concerns and I look forward to your response. Please contact me at your earliest convenience to resolve these concerns. Thank you for your understanding and cooperation.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX XXXX nor did I provide written consent for my credit report to be accessed.
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (SC)

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of XXXX U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by Forest Recovery XXXX without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with Forest Recovery XXXX, nor did I provide written consent for my credit report to be accessed.