davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

I'm alerting you to fraudulent personal information linked to my identity. Accounts and transactions have been wrongly associated with me without my knowledge or approval, causing significant distress. As an identity theft victim, I've reported this incident. This urgent matter needs immediate attention due to its negative impact on my finances and reputation. I request your swift removal of all fraudulent information from my credit report and a thorough investigation. I'm ready to provide necessary evidence and, if needed, pursue legal action to protect my rights and seek compensation.
Consumer complaint received 2024-07-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (WA)

On XX/XX/year>, I logged onto Chase mobile app  and saw that Chase had closed my Chase XXXX XXXX XXXX credit card along with all my other Chase credit cards due to the closure of the XXXX  card. The only recent transaction was from my monthly rent in the amount of {$2300.00} made on XX/XX/year> which would have flagged the account. However, this was a legitimate transaction made to my landlord/property management company and is in compliance with Chase 's Cardmember Agreement. I request Chase to look into this matter and reinstate my XXXX credit card along with all my other Chase credit cards as this will severely impact my home mortgage loan application in the near future.
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY (NY)

I am writing to file a complaint against several banks and Credit Reporting Agencies ( CRAs ) for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like FICO and VantageScore are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.
Consumer complaint received 2024-07-03
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)

My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( 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. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (DE)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-07-03
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. (NV)

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Consumer complaint received 2024-07-03
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)

PLEASE BLOCKED AND REMOVED I want to stress that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued.
Consumer complaint received 2023-10-26
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: Experian Information Solutions Inc. (OH)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to be investigated and corrected for erroneous reporting in my file is listed on my credit report. XXXX XXXX XXXX XXXX Balance : {$15000.00}
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Ive been trying to reach out to the proper channels regarding the inaccuracies off my credit report, but to no avail and Ive had enough. It brought tremendous frustration and sleepless nights, worrying if Ill survive tomorrow just because of my credit score being unfairly affected due to these errors on my credit report hindering me from getting my credit applications approved.
Consumer complaint received 2024-07-03
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. (PA)

I recently noticed that XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX had used my Copyrighted material without authorization. I notified each respective bureau XXXX, Equifax and XXXX that the attached items where a violation of my copyrighted material and I sent each alleged creditor a cease and desist again to see if they will take care of this matter without involving legal action. I have called the bureau many times and wrote many letters to no remedy. My next course of action is litigation at this point. I have attached a copy of the letter and the Copyright with proof of mailing.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I AM A VICTIM OF IDENTITY THEFT AND ALL 3 CREDIT REPORTING AGENCIES ARE REPORTING FRAUD IDENTITY THEFT INFORMATION ON MY REPORTS. XXXX, EQUIFAX AND XXXX ARE ALL REPORTING FRAUD INFORMATION. I HAVE SENT SEVERAL LETTERS LISTING ALL FRAUD ACCOUNTS, PERSONAL INFORMATION AND INQUIRIES ATTACHED WITH A COPY OF MY DRIVERS LICENSE, SOCIAL SECURITY CARD, POLICE REPORT AND FTC REPORT FOR IDENTITY THEFT. THE 3 ABOVE AGENCIES ARE NOT REMOVING THESE FRAUD IDENTITY THEFT INFORMATION FROM MY REPORT. THEY DO NOT SHOW PROOF OF THESE FRAUD ACCOUNTS BEING MINE AND DO NOT REMOVE THEM BY FEDERAL LAW AND CODES THEY ARE TO REMOVE ALL IDENTITY THEFT INFORMATION FROM THE CONSUMERS REPORT, THEY HAVE FAILED TO DO SO AND ARE NOT COMPLYING BY FEDERAL LAW. MY LETTERS HAVE THAT LISTED AS WELL BY LAW AND A COPY OF THE FAIR CREDIT REPORTING ACT HAS BEEN ATTACHED TO ALL MY LETTERS AS WELL.
Consumer complaint received 2024-07-03
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. (FL)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account and charge offs. This account is hurting my ability to obtain credit. it's my understanding that XXXX will investigate this account for me to ensure accuracy here is the account I am asking you to verify as accurate. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. it is illegal to report information on my credit report without my permission. Please remove this item frm my credit report. 

XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (VA)

Inc identDescription PrintTh isReport XXXX was the victim of a robbery of his identity documents resultin the accounts below : XXXX XXXX XXXX XXXX XXXX  with account # XXXX on XX/XX/year>. 
XXXX Credit Card with account # XXXX with a balance of XXXX
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I believed the economy was in a downturn, but upon reviewing my credit report, it's evident that my situation is far worse. The report is riddled with inaccuracies that are causing me XXXX  XXXX. I'm determined to assert my consumer rights, but it's disheartening to navigate this ordeal, especially knowing I can't even afford to see a XXXX  due to the low credit score caused by these errors which is making me XXXX.
Consumer complaint received 2024-07-03
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. (MD)

XXXX XXXX XXXX XXXX Account Number - XXXX i took a second look a my credit report and this account above is still not being reported accurately. Its showing that this account was charged off but in fact was paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments i've attached a copy of my report to this complaint on the following dates for XXXX its shows Charged off for XX/XX/XXXX, XXXX XXXX XXXX but for the remainer of the year no data is avaliable. Equifax reports charged off for XX/XX/XXXX and XX/XX/XXXX and for the remainer of the year there is no data avaliable .XXXX shows no readable data at all for XXXX. I'm now requesting you reinvestigate and provide verifiable proof with records showing that i had late payments. If this information can not be verified i demand this payment be update to paid on time immediately. Thank you for your understanding and prompt action
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I had an auto loan with XXXX XXXX XXXX XXXX, and my vehicle was stolen. A police report was filed, and the vehicle was recovered with significant damage, including a swapped VIN and replaced body parts. The car was subsequently auctioned off. According to my understanding of the FCRA, when a repossessed vehicle is sold, the remaining balance I owe should reflect the amount it was sold for. However, my credit report still shows an incorrect balance.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (AL)

This is my third request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXXXXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$290.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$950.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-07-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Ref : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have been with BOA for over XXXX years, I was approached by a Banker XXXX XXXX of Bank America, he lives in my building at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and asked me if I want to do a cashout refinance. 
My condo is paid off, comps about XXXX XXXX, so I applied for a loan. My credit score is XXXX, I own several XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX gross income amount XXXX XXXX a year. 
I replied to every condition they gave me on time, they have a loan agent that works from XXXX XXXX and covers a BOA office in the XXXX, an assistant in XXXX  that is an XXXX, not sure where the underwriter is. 
When anyone from BOA calls me I call them and they say the calls are being recorded. I have stated to them over the phone and in writing that I live XXXX  days a week in XXXX XXXX and my daughter has lived with me when she was in XXXX  and about XXXX  months ago she got a job in XXXX XXXX. I have a second home at XXXX XXXX XXXX XXXX, where I am there XXXX days a week. 
First they questioned me to why my daughter lives with me in XXXX XXXX, and then why my sons live with me in XXXX XXXX. Even though on recorded voice conversation, were I live between the XXXX place, then they claim that XXXX XXXX is not my principal residence, They claim I own too many properties, they want to get mortgage statements and Notes for every property that I own, bank accounts and retirement accounts which I have over XXXX. 
I was told they couldnt give me a loan, so I asked to talk to the underwriter, first they said no, then I spoke to the underwriter. 
I used to be a mortgage broker, I am more than qualified to get a loan yet I was turned down. 
When I threatened to file a complaint the reason for not giving me a loan changed, and it does not match the letter that I got today. 
I asked them for a copy of the recorded messages and they said I can not get them. 
I am going to pull my account from this bank, it is not enough. I would like to have your office investigate this bank and this transaction to see why they have discriminated against me. 
After I was turned down from BOA, last XXXX, I just got a XXXX XXXX dollar cash out refinance on a commercial building that is worth XXXX XXXX with a XXXX XXXX first, the lender Please let me know what else I can do, besides taking legal action against the bank. 
Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-30
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

i tried to dispute these items for inaccuarate info on credit report. they refuse to correct or remove items listed. i pulled my credit report to see that the same inaccurate items exist on all 3 cb..i demand that these items be removed do to cb 's are in violation of the fcra..
Consumer complaint received 2024-07-03
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)

I am in disagreement with the items listed below which still appear on my credit report. I would like these items immediately investigated. These inaccuracies are highly injurious to my credit rating. Update and remove all address on my file that are not current. ASAP. As well as all the negative accounts that do not belong to myself listed below. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ( Never Lived There ) XXXX XXXX XXXX XXXX, GA XXXX ( Never Lived There ) XXXX : XXXX Date Opened : XX/XX/XXXX I am victim of identity theft and have never owned this account. 
XXXX XXXX : XXXX Date Opened : XX/XX/XXXX I am victim of identity theft and have never owned this account. 
XXXX : XXXX Date Opened : XX/XX/XXXX ( Never Late ) I dispute the missed payments and late payments on this account please provide statements and records of all payments made and missed since i opened this account. Also mail me proof of your investigation and proof of negative payment status for this account or delete the negative information in this account. 
XXXX : XXXX Date Opened : XX/XX/XXXX ( Never Late ) I dispute the missed payments and late payments on this account please provide statements and records of all payments made and missed since i opened this account. Also mail me proof of your investigation and proof of negative payment status for this account or delete the negative information in this account. 
XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX ( Never Late ) I dispute the missed payments and late payments on this account please provide statements and records of all payments made and missed since i opened this account. Also mail me proof of your investigation and proof of negative payment status for this account or delete the negative information in this account. 
XXXX XXXX : XXXX Date Opened : XX/XX/XXXX I am victim of identity theft and have never owned this account. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. Sincerely yours, XXXX XXXX
Consumer complaint received 2024-07-03
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 XXXX XXXX XXXX XXXX and i was never late! I have had exceptional payment history with this company 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 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.