davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

My account with the 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 that I was reported 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 XXXX  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 XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (VA)

I had a XXXX  XXXX XXXX credit card since XX/XX/XXXX with a credit limit of {$20000.00}. I have never had a late payment. I had stopped using this card several years before XXXX. So, I did not expect any charges or statements. 

Somehow XXXX XXXX was able to charge my card without the correct expiration date or security code. XXXX  XXXX XXXX sent the statement to my old work address, and it was not forwarded to my new work address. So I never was aware of the charge. All of my accounts, savings and checking, were with XXXX  XXXX XXXX. They were well aware of my home address and email address and could have tried to reach me before trashing my credit score. 

I was unaware of the charge until this spring. I was trying to get insurance for my new home and was denied because of my credit score went from the XXXX 's to XXXX 's. In addition, my insurance increased by {$3000.00} annually because of this. As soon as I discovered the charge, I paid it. I asked for proof to be sent to my home address which I never received. Ironically, the XXXX employee who took the payment stated that they had my home address on file. 

Attached is a copy of my credit report before the charge-off was paid. The only other derogatory item is a student loan that I co-signed for my niece. She had a few late payments. That loan is now paid off also.
Consumer complaint received 2023-09-21
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC (TX)

On XXXX XXXX I received various notifications regarding a hard inquiry on my credit report. I contacted the company and they confirmed that an account had been opened using my information. Upon further research and comments from the company, an unrequested live check was was sent to my address in an effort to induce me to accept a high interest loan. This loan was opened and reported to the credit bureau without any verification of the identity that the person that negotiated the instrument. In fact, they company was unable to even provide any information regarding where the instrument was negotiated but had already used my social security number to set up the account.. When I requested a copy of the check because it is fraudulent, I was told that I must submit a police report. If I can not get this information without a fraud report then they can not say that this is my account that entitles me to all the information that I requested. Because of their carelessness, I have had to file police reports, fraud alerts, and IRS PINS in order to protect my personal information.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I am filing this complaint to dispute an account reported by XXXX XXXX XXXX  that does not belong to me. This account is inaccurately listed on my credit reports with XXXX, Equifax, and XXXX. 

Detailed Description of the Issue : Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Disputed Information : The account is reported as 60 days past due as of XX/XX/year> and 30 days past due as of XXXX and XX/XX/year>, with a balance of {$710.00}. 
Reason for Dispute : This account does not belong to me. The reported status and balance are incorrect. I have attached supporting documentation to verify that this account is not mine, including identity theft reports and police reports. 

Steps Taken to Resolve the Dispute : Dispute Letters Sent : On XX/XX/year>, I sent a dispute letter to XXXX, Equifax, and XXXX requesting the removal of this account from my credit reports under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies must conduct a reasonable investigation of disputed information. ( See attached documentation ) Responses Received : Despite providing evidence that the account does not belong to me, the credit bureaus did not remove the inaccurate information as required by 15 U.S.C. 1681i. 
Actions Taken by the Company : XXXX XXXX XXXX  has continued to report this account inaccurately, despite receiving proof that the account is not mine. 
The credit reporting agencies ( XXXX, Equifax, and XXXX ) have failed to verify and correct the erroneous information after multiple disputes, in violation of their obligations under 15 U.S.C. 1681i.

Impact and Request for Resolution : The continued inaccurate reporting of this account has significantly impacted my credit score and my ability to obtain credit. The incorrect information suggests that I have a delinquent account, which is not the case.

Request for Resolution : I request that the CFPB assist in : Verifying that the account does not belong to me with XXXX XXXX XXXX  and the credit reporting agencies as required by 15 U.S.C. 1681i. 
Removing the account from my credit reports with XXXX, Equifax, and XXXX as mandated by 15 U.S.C. 1681i if it can not be verified. 
Ensuring that XXXX XXXX XXXX  ceases reporting this incorrect information to any credit reporting agencies under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), which allows consumers to request that debt collectors stop communication regarding disputed debts.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (PA)

Inquiry for XXXX XXXX XXXX XXXX XXXX XXXX. These were not authorized by me. Please remove. 

I applied for an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX which left me with two hard inquiries on my credit report for one credit card app. I called to have this issue corrected and I was told I needed to dispute it with the credit bureaus. This has been frustrating to say the least because the credit bureaus has not been helpful either. I am asking for this to be corrected ASAP.
Consumer complaint received 2024-08-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP (AR)

I have applied for the US bank smartly checking account and I was asked to contact their customer authentication department on XXXX as they were not able to verify my identity. My application id is XXXX. I have been trying to call the department but no answer. I also spoke to the banker and he said they can not do anything and I have to wait for the customer authentication department to pick up the phone and help me verify.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : [ Account XXXX XXXX XXXX  NUMBER : XXXX [ Account XXXX XXXX  XXXX [ Account XXXX XXXX  : NUMBER XXXX [ Account XXXX XXXX  : NUMBER : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be exclu

ded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.
Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate. 

I request that the following actions be taken immediately : Investigation of the mentioned violations. 
Removal of the unauthorized accounts from my credit report. 
Exclusion of any obsolete information in compliance with 15 USC 1681c ( a ) ( 5 ).

Correction of any inaccurate information in accordance with 15 USC 1681s-2 ( a ) ( 1 ).

Notification of the correction to any person who has received my credit report in the past six months.

I expect a written response within the next 30 days. If this situation is not adequately resolved, I will consider taking the necessary legal actions to protect my rights.
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

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 I : XXXX, XXXX : XXXX, XXXX XXXX XXXX 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 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 2024-08-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (MO)

On XX/XX/year> checked crediXXXX XXXX  to do my monthly credit report check. I noticed a new collection for a amount for XXXX dollars by a company going by XXXX  or National Credit XXXX XXXX. I have not receive no written notices, phone calls or emails in regards to this account.
Consumer complaint received 2022-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A. (FL)

I disputed the accuracy and completeness of this account on XX/XX/2022 and CITI BANK NA certified and verified that the information being reported is accurate. After CITI BANK NA verified the information as being reported accurate, I pulled my XXXX, XXXX, and XXXX consumer reports and noticed that the information is still incomplete and inaccurate. It's clear that CITI BANK NA failed to conduct a reasonable reinvestigation. This is a failed requirement of Regulation V under 12 CFR 1022.42 and a violation of 15 USC 1681s-2 ( b ) of the Fair Credit Reporting Act and CITI BANK NA is liable under 15 USC 1681n and 15 USC 1681o .
Consumer complaint received 2022-11-24
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-31
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (NY)

XX/XX/XXXX I purchased a vehicle from XXXX for XXXX. I applied for Financing of XXXX. However the vehicle was unsatisfactory after an inspection and returned to XXXX as per their policy of accepting return of vehicle for cancellation of sale under a seven day guarantee of full cancellation. XXXXXXXX XXXX  loan subsidiary Bridgecrest finance company has failed to cancel loan or back it out despite numerous correspondence and communication from myself and XXXX 's customer service informing them beginning XX/XX/XXXX that the car was returned as per their policy and sales was null and void. Last communication was XX/XX/XXXX via internal communication from XXXX to Bridgecrest for the purpose of ensuring the closing of account before any payment became due. Bridgecrest refuses to correct their mistake and has informed credit agencies that a loan is in effect and has not to date cancelled loan for an automobile returned within required period or a transaction that has not been finalized but cancelled as per their return policy guarantee. I have exhausted all efforts to resolve this matter even contacted the XXXX  to no avail. I recently received a call on XX/XX/XXXX from their collections informing I failed initial payment.
Consumer complaint received 2024-07-31
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)

Following the Fair Credit Reporting Act, the list of accounts below has violated my credit report. Please federally protect the consumer 's rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have privacy rights.

15 USC 1681 section 604 ( a ) Section 2 also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, I never received the required opt-out notice when the account was being reported ( they never gave me the opt-out notice ). I have a right to opt-out of any reporting of non-public info.
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

My accounts 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 to be removed/updated.

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.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-07-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NC)

I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.
Consumer complaint received 2024-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MI)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-07-31
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. (MO)

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 2024-07-31
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)

I was a victim of identity theft. There are inquiries on my XXXX, Equifax and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX. XXXX XXXX  - XX/XX/XXXX XXXX
Consumer complaint received 2024-08-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION (MD)

I disputed this account on XX/XX/scrub>XXXX XXXX XXXX In response to my dispute XXXX issued a letter that requested the " account names, account numbers and the specific concern with the items that you are disputing. '' The information is immediately below. 

Account Name : Truist Bank Account Number : XXXX XXXX Specific Concern : See XX/XX/year> dispute letter ( attached ) The Account Name and Number can be found on page XXXX of XXXX in the XXXX Disclosure issued on XX/XX/year> with Report Confirmation Number XXXX. I am also attaching this page to this dispute letter.