davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-28
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. (GA)

In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I told/informed XXXX, XXXX, and Equifax to XXXX and or remove these accounts : XXXX. XXXX XXXX XXXX > {$7000.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX. Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX > {$1000.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX > {$520.00} * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$620.00} XXXX EVERY * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX  > {$1400.00} * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX > {$730.00} * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$640.00} * Opened Date : XX/XX/XXXX XXXX. XXXX XXXX {$8200.00} * Opened Date : XX/XX/XXXX XXXX DISPUTES XXXX XXXX. XXXX XXXX XXXX {$5100.00} * Account # : XXXX * Date Opened : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX > {$8200.00} XXXX. Account # : XXXX XXXX. Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX {$340.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX {$640.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$790.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$620.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX > {$1400.00} * Account # : XXXX * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$920.00} * Account # : XXXX * Date Opened : XXXX, XXXX XXXX FRAUDULENT HARD INQUIRIES XXXX. XXXX  * Opened Date : XX/XX/XXXX XXXX XXXX  XXXX XXXX * Opened Date : XX/XX/XXXX XXXX. XXXX * Opened Date : XX/XX/XXXX XXXX. XXXX XXXX * Opened Date : XXXX XXXX, XXXX HARD INQUIRIES : XXXX. XXXX * XX/XX/XXXX In addition to, the XXXX XXXX stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the XXXX business days allowed with the XXXX & in accordance to Consumer Law ( FCRA ) XXXX U.S.C XXXX & XXXX U.S.C XXXX ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : XXXX U.S.C. XXXX ( A ) ( XXXX ) [ 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 ], XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX, & XXXX U.S.C XXXX.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data file reporting, I have the right to dispute any information on my credit report that I believe is not correct. All data included in a consumer 's file must be properly documented and validated before it is made available for use by creditors. Therefore, I take this matter seriously. The allegations of delinquency and derogatory information against me are entirely false, I won't stand for any misinformation being associated with my name and financial history and I am determined to FIGHT back with ALL my strength! The accuracy of your credit report is crucial. The allegations listed do not meet the federal or state requirements for reporting and can not be substantiated. I challenge these claims due to their failure to comply with basic reporting standards, which would provide me with greater confidence in the accuracy of the information presented. It is your responsibility to maintain and report data with complete accuracy and compliance. You must not report any claims that you know do not meet regulatory requirements. We must ensure all claims are accurate and reported in the appropriate format as mandated by the Fair Credit Reporting Act ( FCRA ) and reporting standards such as XXXX XXXX. I kindly request that you handle this matter with utmost care and diligence. 

Heres the list of the questionable items : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (FL)

I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA XXXX. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.
Consumer complaint received 2024-06-28
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)

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 2024-06-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

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 2024-06-28
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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-30
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 two unauthorized credit inquiries that appear on my Equifax credit report. These inquiries were conducted without my authorization and are fraudulent, which violates the provisions of the Fair Credit Reporting Act. 

The fraudulent inquiries are as follows : Inquiry Date : XX/XX/year> Creditor : XXXX XXXX XXXXXXXX # XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : ( XXXX ) XXXX Inquiry Date : XX/XX/year> Creditor : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX These inquiries were not authorized by me and are clearly fraudulent. According to the Fair Credit Reporting Act, 15 U.S. Code 1681b ( c ) ( 1 ) ( B ) ( i ), credit inquiries must be made with the consumer 's consent. Therefore, I request that Equifax immediately remove these fraudulent inquiries from my credit report. 

Attached to this letter, I am providing copies of documents to verify my identity, including my Social Security card and driver 's license. 

I request that Equifax conduct a thorough investigation and provide a written response regarding the removal of the fraudulent inquiries within the timeframe stipulated by law. 

Thank you in advance for your immediate attention to this matter. I look forward to your response and confirmation of the removal of the fraudulent inquiries from my credit report. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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 XXXXXXXX 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!
Consumer complaint received 2024-06-28
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)

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form : XXXX XXXX XXXX  - Account XXXX
Consumer complaint received 2024-06-30
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)

In accordance with the Fair Credit Reporting act. The list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 7 years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The XXXX and XXXX XXXX has been disputed on Equifax and deleted but they are still on my XXXX and XXXX and the need to be removed for inaccuracies.
Consumer complaint received 2024-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MD)

there's an account in my report that i don't recognize. This is fraud and i wanted to have it removed. I have been disputing for a while now. Kindly remove the following : XXXX XXXX date opened XX/XX/scrub> 2024 2024
Consumer complaint received 2024-06-30
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)

I recently pulled my credit report and was shocked to learn that I was a victim of identity theft. I found numerous accounts on my credit report that were opened, which was not done by me. This is hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.
Consumer complaint received 2024-06-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY (NJ)

I tried to get a loan modification twice with Wells Fargo. The first time I applied with Wells Fargo they told me that they would not be able to help me because I didn't have enough income. However, Well Fargo told me that I can request a modification loan again. 

The second time I request a modification loan I gave them my sister, her husband and my brother income. Which these three was living in the home with me at the time helping me with the mortgage and bills. Then Wells Fargo told me that they would not be able to give me a modification because I needed to come up with tens of thousand of dollars ( {$90000.00} or more ). If I had tens of thousand of dollars I wouldn't have request a loan modification. 

I was so disappointed with Wells Fargo, I brought up the 1st time I applied for the loan modification that I was told I needed more income. And now that I met that qualification they were coming up with something else. I believe Wells Fargo did not want to help me. 
Needless to say I lost the home and had to vacate. Foreclosure was in XXXX 

Thank you
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB XXXX 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Consumer complaint received 2023-10-01
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL (NY)

I obtained a Care Credit credit card for eye surgeries over XXXX years ago. Original amount was XXXX, with an initial XXXX interest for a specified amount of time, which I cant recall. 
When the XXXX interest rate ended, Synchrony Bank, who is the issuer of the Care Credit XXXX and many other smaller businesses, added on all of the accrued interest to the principal, essentially capitalizing the interest. 
My fault for not reading cardholder agreement before applying for the card. 
I have been paying on this Care Credit card faithfully, and each month a substantial portion of my payment goes toward interest that is XXXX XXXX 
Last XXXX I applied for a XXXX card and was granted a {XXXX  credit line and the ability to do balance transfers up to XXXX 
I called Synchrony Bank to get their location details where to send a balance transfer of XXXX  to pay off almost the entire remaining Care Credit balance. I was told by their XXXX customer service robot AND by a human being customer service person that Synchrony Bank does not accept balance transfers as payments on any of their credit cards. I asked WHY and got no answer from the robot or the human. 
How is Synchrony Bank allowed to refuse balance transfers, as a form of payment along with the other payment methods they do accept? I think they are not following the MasterCard/Visa regulations and certainly not the Consumer Finance Bureau 's direction. 
I have asked other people about this anomaly and they must have attempted to do balance transfers over the years and were refused, just like I was.
Consumer complaint received 2024-06-29
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)

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX  XXXX XXXX Balannce : {$410.00} XXXX XXXX Balance {$580.00} XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XXXX XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA THAT THE 3 BUREAU required by law to remove any account which is found to be opened due to identity theft.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I previously requested that Experian provide original contracts for the items listed below that were previously disputed and supposedly verified. They have not provided original signed contracts that correlates to these accounts in question that states ownership or agreement of collection fees. 

These accounts should be deleted without such verification under FCRA 609/611 provisions - ACCOUNT NAME : XXXX XXXX XXXX XXXX # : XXXX amount : XXXX -ACCOUNT NAME : XXXX XXXX XXXX account # XXXXXXX amount : XXXX