davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Subject : Urgent Inquiry and Request for Compliance with Metro 2 Standards/verification methods.

Resposne to CFPB Compliant # XXXX Dear Equifax, XXXX am writing to express my serious concerns regarding your adherence to Metro 2 compliance standards. Specifically, I have questions and requests regarding the reporting of my bankruptcy information.

Despite Federal regulations mandating the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields, it appears there have been deviations from these standards in my case. This is not only a violation of federal regulations but also a breach of consumer trust.

I am seeking clarity on the following : Metro 2 Compliance : Why has Equifax failed to comply with Metro 2 standards in the reporting of my information?

If the bankruptcy court did not report any information to any credit agency or vendor, how could you verify information that was never reported? ( see attached Letter from Bankruptcy court ) Verification of Information : Provide irrefutable physical proof of the validity, accuracy, and compliance of the reported information.

Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items.

The method of contact used ( e.g., phone, email, written correspondence ).

Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system.

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items.

Additionally, I am exercising my right to opt out of any reporting, given that my privacy and confidentiality have been compromised.

Should you fail to substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).

I look forward to your prompt response and resolution of this matter.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

My account with 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 Late 30 Days and Late 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 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 2023-07-05
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: EQUIFAX, INC. (FL)

Today, I am sending my CFPB complaint to you to notify you that the XXXX credit bureaus neglect to correct the inaccurate account on my credit file. This account has several error. The payment history and date last activity are inaccurate as the references to late payment. I was never late in paying. Under the Fair Credit Reporting Act, Im going to have to request proof of last payment and payment history.The bureaus are reporting false information and I believe the company is violating Sections 605b of the FCRA. Kindly help me correct this account : XXXX XXXX BANK XXXX XXXX : {$300.00}.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (CA)

Subject : Urgent Inquiry and Request for Compliance with Metro 2 Standards/verification methods.

Resposne to CFPB Compliant # XXXX Dear Equifax, I am writing to express my serious concerns regarding your adherence to Metro 2 compliance standards. Specifically, I have questions and requests regarding the reporting of my bankruptcy information.

Despite Federal regulations mandating the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields, it appears there have been deviations from these standards in my case. This is not only a violation of federal
regulations but also a breach of consumer trust.

I am seeking clarity on the following : Metro 2 Compliance : Why has Equifax failed to comply with Metro 2 standards in the reporting of my information?

If the bankruptcy court did not report any information to any credit agency or vendor, how could you verify information that was never reported? ( see attached Letter from Bankruptcy court ) Verification of Information : Provide irrefutable physical proof of the validity, accuracy, and compliance of the reported information.

Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items.

The method of contact used ( e.g., phone, email, written correspondence ).

Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system.

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items. 

Additionally, I am exercising my right to opt out of any reporting, given that my privacy and confidentiality have been compromised. 

Should you fail to substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).

I look forward to your prompt response and resolution of this matter.
Consumer complaint received 2024-06-24
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 XXXX of XXXX, Equifax was notified of unauthorized inquiries that were reporting on my credit report in a letter that was dated, and time stamped ( enclosed ). After XXXX  months these inquiries still persist. The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply. Your agency is in violation, and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have attached the invoice for the violations and the payment is to be remitted to the address on the invoice within 10 days along with the removal of the inquiries below : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-09-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Credit Union Mortgage Association, Inc. (NM)

Credit Union Mortgage Association did not pay our XXXX  flood insurance, although the amount was collected and retained in an escrow account. Thus, the insurance was cancelled. As the policy was now considered a new policy, we lost the contracted insurance amount and the new amount is {$180.00} more per year. The Association takes no financial responsibility for their mistake. The Association also will not allow ( their words are " completely inflexible '' ) us to pay the flood insurance directly, and insists that they must maintain the escrow. They require us to use the flood insurance escrow account, but they did not utilize the escrowed funds as required.
Consumer complaint received 2024-06-18
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 am attaching a dispute i sent multiple times to all three credit bureaus, i have researched USC 1681 aggravated identity theft and have identified multiple accounts, names, addresses, and job history that are in correct and where improperly added to my consumer report without my permission.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

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. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX  XXXX  Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-18
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. (CA)

I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.
Consumer complaint received 2023-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

I noticed that I had fraudulent charges taken out of my Bank of America account. I reported it and the bank gave the money back. The first one was claim XXXX credited back on XXXX XXXX in the amount of {$1400.00} dollars. On XXXX XXXX the credit was reversed. Which put my account in the negative and incurred many overdraft fees. After I called in about it I was apologized to and told it would be back in my account after a few days. This never happened. The second call made it was discovered that my account information was used to pay an parking ticket out of town for someone named XXXX I was told. I informed the bank again I have not authorized the transaction and do not know that person. I was apologized to again and told that they would re-investigate and would return my funds shortly. I called again a few days later and was told that my email address was used and yet another investigation was necessary and again apologized and said Ill get receive my funds back shortly. I have yet to receive those funds. I was promised I would be made whole before XXXX. But my holidays were ruined. 

Claim XXXX in the amount of XXXX and XXXX were unauthorized charges made on that closed debit card. Once the card was replaced those fraudulent chargers where able to still be taken out of my account. Even with a new debit card. Credits were made replacing my money on XX/XX/XXXX and again taken back from my account XX/XX/XXXX and XX/XX/XXXX XXXX
Consumer complaint received 2024-06-24
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)

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  Account Name : XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

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 U.S.C 1681. ACCOUNT Name : XXXX  XXXX XXXX XXXX. 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 2024-06-18
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 a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.
Consumer complaint received 2024-06-18
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. (KY)

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 2024-06-25
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. (AR)

On XX/XX/year>, I sent this company a letter about some errors on my credit report, but it has been over 30 days, and I still haven't received any response from the company. I was informed that they may be violating the FCRA law for not complying. Please look at this matter ; those errors on my credit need to be cleared as soon as possible.
Consumer complaint received 2022-01-11
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: FC HoldCo LLC (NC)

I sent an email on XX/XX/XXXX to let the company know that i was XXXX to a secret location and i would not have access to any communication and I wasted to be covered by the Civil relief act for Soldiers. They never responded to me. I called again on XX/XX/XXXX and they asked me if I wanted to make a payment. They never sent me correspondence or advised me that my account was charged off. When I called on that day I paid the account off in the amount of {$5900.00} and they mailed me my Title. Even though I paid the account in full they still charged off {$7200.00} of the Account selling it to another company. If they charged it off, I would like to receive my money back with interest and the account moved from my credit file because their practices are criminal in taking advantage of military individuals.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

For the last 6 months i have been trying to remove negative items off of my credit report.. the accounts attached are not reporting accurate and is a violation of 1681e ( b ) ( b ) .. after disputing i get hit with either stall letters OR being told that my accounts are verified and accurate but they are still reporting inaccurately.. 

When told to validate the verification under XXXX i continuously get the run around or not provided the information.. if this cant be provided then by law the accounts in question need to be deleted.. also the accounts that have been disputed have not been reflected on my credit report and it has been way past 30 days.. ( which is a violation of XXXX ( XXXX ) )
Consumer complaint received 2024-06-25
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)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

There was an account opened with XXXX XXXX XXXX in my name without my knowledge over the internet in XX/XX/XXXX I realized its existence upon receiving notice of it from looking into my credit report. Additionally, I received notice in XXXX that XXXX would no longer collect on/report this debt in order to resolve a lawsuit where they were found to have engaged in illegal and deceptive tactics and for violating fair lending and reporting regulations and that all debts have been forgiven, and late/charge off reporting would be removed from my credit reports. I have attempted to reach out to gain more information about this debt or to settle any issues via telephone communication, email, and mailed letters to the contact information available on my credit reports. However, all of the contact information that this debtor has provided to credit reporting agencies is inaccurate. Telephone calls do not go through, emails bounce back and mail receives no response. As this debt is a charge-off and XXXX has already been compensated by charging the debt off, I would like to ask for its removal. It is important as I am trying to gain my dream career and this information on my credit prevents me from qualifying for this career. Additionally, I hope to secure housing for myself but have been unable to do so because of this charge-off. If XXXX, XXXX ( DBA XXXX ) can not provide an adequate response to any of the aforementioned information, I would like to respectfully ask that they remove this collection account and any tradelines associated with it from all three credit bureaus.