davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

My account with XXXX XXXXXXXX XXXX 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 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX 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 XXXX
Consumer complaint received 2024-08-05
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. (GA)

Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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, false information consists of this account : Account name : XXXX XXXX XXXX XXXX Amount : {$5000.00} Account number : XXXX Date opened : XX/XX/XXXX I do not recognize the aforementioned accounts, or hard inquiries as reported. 

The aforementioned accounts, 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 # ( XXXX ) 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 2024-07-09
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. (NC)

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 informationisinaccurate.
Consumer complaint received 2024-07-09
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. (MO)

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 use 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or any other adverse item of information other than records of convictions of crimes with antedates the report by more than 7 years.

15 USC 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 some reasonable cost to believe that the information is inaccurate.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-07
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: Experian Information Solutions Inc. (AZ)

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 : 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 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 2024-07-09
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. (IL)

I sent in a dispute on XX/XX/XXXX and did not receive a response within the 30 day timeframe allotted to the credit bureaus. As a precaution, I am reaching out to the CFPB because the credit bureau has violated 15 USC 1681i ( a ) ( 1 ) ( c ). During the 30 day period no response was given which would result in a default response of making the account unverifiable. In that case, the account must not be accurately reporting if they are unable to supply proper documentation that suggests the accounts aforementioned are reporting inaccurately and werent able to be verified. This would result to a violation of the fair credit reporting act. Please see the attached document in order to address concerns. 

I have outlined the disputed accounts in my previous correspondence with XXXX : XXXX ( Original XXXX XXXX XXXX ) : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  : Account number : XXXX XXXX : Account number XXXX XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX ) : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX Account number : XXXX XXXX | XX/XX/XXXX : Inquiry XXXX XXXX ( Original XXXXXXXX XXXX  XXXX XXXX XXXX XXXX ) : Account number XXXX XXXX
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rent Recovery Solutions (GA)

XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 


XXXX/XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX XXXX  Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update. 

XXXX  : Account number : XXXX, Inaccurate. Can you delete this ASAP and send me and update.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (FL)

I used Zelle on the XXXX account to transfer money of {$500.00} on XX/XX/year> to a person known well to me. His full name came up on the account which I selected. The second day I told me he did not receive the money. I contacted my bank, XXXX, and I was informed reliably that the money went to a XXXX XXXX account. XXXX sent me a letter on XX/XX/year> telling me the case was closed. The Zelle was contacted via telephone and I was redirected back to XXXX with the same response. At this point, Zelle needs to refund my money back to me. I have sent Zelle a letter about this issue. I am on a limited budget, {$500.00} is not a joke to play with. 
Zelle has been doing this sort of thing in the past and will be tried to hide under secrecy garbage. 

Thanks, for your help. 

XXXX XXXX
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (GA)

At the end of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amongst receiving the check ( {$150.00} ) I held on to it for 4 days. Within those four days the church switched accounts and didn't communicate with any of the workers that receive checks. After those 4 days I attempted to cash the check ( {$150.00} ) and the {$150.00} check bounced, I assume that I made a mistake with the writing on the back of the check so I checked the endorsement and tried to retake the image for the deposit. The deposit initially went through and said to hold the check for a certain amount of Days, so I did. After the allotted Days, I got a notification on XXXX XXXX XXXX that the check bounced and that the account holding {$1800.00} is restricted and will be closed WHEN PENDING TRANSACTIONS FINISHED... LIES .... At this point, I called to try to get some information on why my account is restricted and was met with a rude " I'm not obligated to give you any information ''. After 2 months of going back and forth, I have still not made any progress or heard of any progress in the release of my funds, MY ACCOUNT IS STILL RESTRICTED AND THEY STILL HAVE {$1800.00} THAT THEY REFUSE TO RELEASE. They're saying that there's an indefinite hold on my account and they can not tell me when I will receive my money or when the {$1800.00} account will be closed. I've tried to resolve this issue with SOFI BANK on a total of 7 times and got rudely dismissed and told that I can NOT speak with a supervisor, this bank is a criminal organization.
Consumer complaint received 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: FIRST PORTFOLIO SERVICING INC (AZ)

I am writing formal a complaint against Total Visa XX/XX/XXXX XXXX regarding an ongoing issue with their handling of increasing the available credit on my account. 

Despite multiple attempts to request an increase in my credit limit via phone calls and emails over the past several months, Total VisaXX/XX/XXXXXXXX has failed to make any adjustments to my available credit. These requests were made in good faith and followed all the procedures outlined by the company. Unfortunately, my efforts to address this matter directly with them have been met with unresponsiveness and inadequate customer service. 

The lack of responsiveness has caused considerable inconvenience and frustration. As a result, I am seeking your assistance to address this issue and ensure that Total Visa Credit Card XXXX adheres to appropriate customer service standards and fulfills their obligations regarding available credit adjustments. 

For your reference, I have attached copies of my communication with the company, emails requesting the available credit increase. 

Despite multiple assurances from their supervisors and adherence to their payment posting matrix, my credit limit has not been adjusted as promised. 

On several occasions, I was informed by supervisors at Total Visa that my available credit would be increased immediately upon sending verification of payment via email. I complied with this request and have attached the email verification and relevant documentation to this complaint. XXXX XXXX at Total Visa confirmed receipt of this email. However, despite this confirmation and adherence to the payment options matrix provided by Total Visa ( also attached ), my credit limit remains unchanged. 

Additionally, I spoke with a supervisor on Wednesday, XX/XX/XXXX, who assured me that I would receive a callback from a XXXX within XXXX hours. To date, I have not received any such callback. This lack of follow-through and communication, coupled with what I perceive as deceptive business practices, has led me to seek your intervention. 

I kindly request that the CFPB assist in addressing this matter to ensure that Total Visa fulfills their commitments regarding available credit adjustments and to bring awareness to their business practices for the benefit of other consumers. 

I would greatly appreciate your intervention in this matter to facilitate a resolution. Please let me know if you require any additional information or documentation to process this complaint. 

Thank you for your attention to this matter. I look forward to your prompt response.
Consumer complaint received 2024-08-07
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. (CA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (TX)

Someone broke into my car stole my credit and debit cards my ID AND my XXXX that has my pin in it I know they were able to get into my phone because 1 ) the unauthorized charges 2 ) my XXXX  someone was trying to XXXX XXXX  themselves money from my accounts I saw the unauthorized transctions on chase and told them i have a police report but they never requested it and told me a pin was used so they closed the dispute and charged me XXXX $ and closed my account
Consumer complaint received 2024-07-09
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. (OH)

XXXX XXXX, XXXX, XX/XX/XXXX 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 consist of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX. These accounts resulted in several fraudulent hard inquiries appearing on my FICO credit report. I demand that the aforementioned fraudulent items to be removed from my each of my consumer FICO credit reports pursuant to my rights within the FCRA and FDCRA laws. These accounts have resulted in several fraudulent hard inquiries 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. The aforementioned accounts, 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 and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX # XXXX 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 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC (CO)

First Access closed my account, I paid the account in full, XXXX XXXX the company is continuing to charge a monthly fee on the closed and paid account in full showing a {$0.00} due. they are continuing to charge the monthly fee impacting my credit.
Consumer complaint received 2024-07-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

Please remove the following incorrect addresses and employer information from my credit XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Employer : XXXX, XXXX XXXX XXXX, XXXX XXXX