davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Alorica Inc. (VA)

I requested a 1099-c from system services technology over a year ago on an account that has been charged off and they have received tax credit for the acc I never received anything from them they never responded and this is my fourth time requesting this information so that I can be in compliance with the IRS and they want send me one.inclides is a copy of the Ira form I filed and a copy of my letter requesting my 1099-c for the XXXX time
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

My account with 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 XXXX XXXX XXXX XXXX XXXX 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 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 2024-06-22
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 see my credit report and found a fraud car loan opened on my name without my knowledge. I have been in the XXXX XXXX  and people stole my identity to commit fraud. This fraud car loan was not authorized or not sign by me and shall delete from my credit report.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MA)

It is so distressing when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Consumer complaint received 2024-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-06-22
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. (CA)

DEMAND For Deletion OF LISTED ITEMS/Per XXXX Privacy Act Also see ; XXXX XXXX XXXX XXXX 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role... 
Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file.

Per the FCRA, I am entitled to have a fair and accurate credit report. 
XXXX PRIVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,.

15 US code 1681 604 A Consumer Reporting Agency can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information ( a ) Notice requirements ; ( b ) The term affiliate means any company that controls, is controlled by, or is under common control with another company.

A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information ( A ) Notice to consumer is required ( I ) In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer.

This shall be done 30 days before, or after furnishing of any such negative information.

Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra-vires action, HEARSAY.

Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal RICO, ( 3 or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 
Furthermore any continued reporting would be another violation, 15 US code & 1681n, knowingly, reporting. 
For this reason, please request deletion of any and all negative reporting within the next 30 business days. 

For the following accounts. 
XXXX XXXX Account # XXXX Thank you, XXXX XXXX XXXX
Consumer complaint received 2018-10-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

My name is XXXX XXXX XXXX Chase bank ended there relationship with me for no reason I didn't do anything wrong i have never did Anything fradulant they didn't inform me ahead of time no account closure letter in mail no letter at all i don't think it's right I'm XXXX so something has got to be done please help me out there was no account closure letters
Consumer complaint received 2024-08-25
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. (VA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Subject : Complaint Against Equifax for Improper Use of Personal Information Dear Sir/Madam, I am writing to formally lodge a complaint against Equifax for what I believe to be improper use of my personal information. 

On XX/XX/year>, I discovered that " Equifax accessed my credit report without my authorization '' and " incorrect information was reported on my credit file that adversely affects my chances of obtaining a loan due to incorrect name listed on my credit report. This has caused me significant distress and has negatively impacted me. 

Despite my attempts to resolve this issue directly with Equifax. I've submitted all supporting documents. My Driver 's License, utility bill, insuranc, payslip as well. 

I believe that this incident constitutes a violation of my rights under the Fair Credit Reporting Act and other relevant consumer protection laws. I kindly request that the CFPB investigate this matter and take appropriate action to ensure that Equifax adheres to the regulations governing the use of consumer information. 

Thank you for your attention to this important matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-08-17
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. (MA)

I have disputed this information with the company itself previously and they have not removed the unverified and unauthorized inquiries from my credit report. I REVIEWED MY credit report and see there are some unauthorized inquiries reported that needs to be removed. According to the FCRA section 611 ( 15 USC 1681i ) these unverified and unauthorized items must be removed immediately. Under 15 USB 1681b credit reporting agencies can only furnish consumer reports to those who have permissible purpose as defined by the FCRA. This is considered identity theft accessing my credit report without my consent. This item needs to be removed or they will be held liable for damages in the amount of {$1000.00}. I am using CFPB to ensure compliance with consumer reporting
Consumer complaint received 2024-07-02
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. (NJ)

Please perform a full investigation. XXXX XXXX denied my fraud application without even receiving an Affidavit form on file. I want XXXX XXXX to perform an honest full investigation on this identity theft crime, as soon as possible. I contacted the police, Ive made police reports, I sent forms and letters to XXXX XXXX XXXX XXXX XXXX 

I want XXXX XXXX fraud department to rewind the cameras of the inside to the bank the day the crime was committed. I want the names to the XXXX XXXX representative who gave away {$50000.00} unauthorized. 
I would like a full investigation as soon as possible. 

I have NOT received cash from the persoanl loan. This persoanl loan is a crime of Identify Theft and should be taking serious. XXXX XXXX did NOT rewind the cameras inside of the bank, XXXX XXXX did NOT have an affidavit on file before making a decision to decline my request to investigate, also XXXX XXXX did NOT have an police report on file. This is completely illegal. I want to appeal my investigation application, {$50000.00} fraudulent persoanl loan. 

My ID and XXXX had been copied and used to perform fraud in my name. Im 100 % sure someone from XXXX marketplace have stole my identity. XXXX have a service on the platform where as anyone can sell items. I sold my cellar device on XXXX XXXX  platform days before this incident occurred. Since then Im now experiencing fraudulent activities in my name. I did not reset my cellar device which had my information inside my notes. A picture of my debit card, ID and SSN were left inside my old cellphone files. Im 100 % sure a criminal have stolen my full identity and used it to commit fraud. 

Please close this fraudulent account. {$50000.00} persoanl loan is unverified and unauthorized. Someone has stolen my full identity.
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (NY)

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed an account that I wanted a little more clarity on. I am not stating that they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the right to challenge anything I am not sure is accurate. 
Some of the people reporting things on me, I have never heard of, which is why I am contacting you. Are you familiar with something called 15 U.S. C. Sec.

1681i ( a )? I heard that if you can't provide proof, these accounts must be deleted. I'd really like these accounts deleted if they are not 100 percent accurate and correct. Please check on these and get back to me? I also was informed by a free lawyer on this forum site that you have 30 days to complete this investigation. Please investigate the following account and remove them if anything is missing or incorrect. I attached the inaccurate information l 've obtained from the reporting agencies. I demand the following accounts be accurate and verified or removed immediately. 
DISCOVER BANK, ACCOUNT NUMBER : XXXX. PERSONAL INFORMATION NAMES : XXXXXXXX XXXX XXXXXXXX AND XXXX XXXX. My one and only name is XXXX XXXX XXXX. Please update my report to reflect that I also read where I can get the updated report after you investigate this from the free lawyer. In accordance with the Fair Credit Reporting act 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 : Also states a consumer reporting agency can not furnish my account without my written instructions.

Attached is the account in question in details.
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NY)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 addresses that I have never lived at before. As a member of the XXXX XXXX I normally stay overseas in XXXX. 
These addresses were used to open accounts in my name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Enclosed is a copy of a FTC report and a Police report stating the items that were opened in my name. These accounts have resulted in several fraudulent addresses appearing on my consumer FICO credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned addresses are the result of identity theft and fraud.
Consumer complaint received 2023-10-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY (UT)

Wells Fargo claims i missed a payment in XX/XX/2020. They then proceeded to charge me late fees for 3 years because they counted the payments I was making at a month late instead of contacting me about the missed payment. They claimed to have called me, and provided me with a phone record. The phone number listed on the log is the company I am employed at. The team that answers the phone calls is under my supervision. No one at my work received a call looking for me. Not only am I on the company directory where they could have reached me, but the phone rings at my desk when an outside call is made. 
The only conclusion I can come up with is that because they did not ring through to the operator nor did they try contacting me on the phone tree. I was at work for nearly all of the times listed answering the phone at the number provided. If they would have asked if I was available to anyone at the company, I could have been reached. 
They also said that they were not authorized to call my cell phone despite it being listed as my home phone on the loan application ( which I am providing. ) They could not provide me with information telling me how I could have known or authorized the number that I put on my loan application. They provided this as evidence that I was contacted. I can not understand how the number I put on the loan application was not authorized to receive calls about that loan or how I could have been expected to know that it was not authorized. 
They were able to contact me through the postal system to let me know if a payment was short, but did not send me late notifications by mail. Because I was getting notifications when my payments were short, I believed I was caught up when I resolved these payments. 
The can and have contacted me in the mail. I did not receive any postal mail stating I was late in the entire 3 years they were charging me fees. 
Claiming that they did due diligence by trying to contact me only to tell me that they are not authorized to call me at the number on the loan application is not contact nor is it due diligence. Telling me that I was contacted by phone when I was not contacted by phone is a lie. Dialing and not talking to someone is also not contact. Would they do this on a home phone if my daughter picked up? State that they are not authorized to talk instead of asking if I was available so that was contact? 
What makes me most upset is that they have claimed to call when I received no call. I feel completely blind-sided by this and feel like the company has done nothing to lead me to believe that they didn't want this outcome.
Consumer complaint received 2024-06-27
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. (NY)

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, has violated my rights. 

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 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.
Consumer complaint received 2024-07-02
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. (IL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 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 items 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 2024-09-22
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TN)

According to 15 U.S Code 6802 it is illegal for banks and institutions to report any data to XXXX  party companies without my proper consent. REMOVE IT OFF OR I WILL BE SUING YOU I KNOW MY RIGHTS AND YOU HAVE BEEN IN VIOLATION REPORTING FALSE INFORMATION THAT I NEVER GAVE YOU PERMISSION TO REPORT MY LAWYER WILL BE CONTACTING YOU IF ITS NOT REMOVED.
Consumer complaint received 2024-08-16
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. (IL)

I am writing to formally lodge a complaint against XXXX for inaccurately reporting late payments on my credit report. This is a direct violation of 15 U.S. Code 1666, which mandates that all information on a consumer report must be 100 % accurate, verifiable, and complete. Additionally, the credit bureaus ' failure to adhere to the XXXX XXXX guidelines further constitutes noncompliance. 

1. Inaccurate Reporting : - The credit report dated XX/XX/year> from [ EQUIFAX ] contains inaccurate late payment entries for the account ( s ) under the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
These entries are incorrect as I have never been late on these payments. 

2. Violation of 15 U.S. Code 1666 : - Under 15 U.S. Code 1666, the credit bureaus are required to ensure that all reported information is accurate, verifiable, and complete. The inaccurate reporting of late payments violates this statutory requirement.

3. Noncompliance with XXXX XXXX Standards : - The reporting of these late payments does not comply with the XXXX XXXX standards for credit reporting. Accurate and standardized reporting is crucial for the integrity of consumer credit information.