davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-20
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)

Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2024-06-20
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. (NJ)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-06-20
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. (NJ)

I have identified that there are unauthorized inquiries on my credit report. The listed inquiries on the letter was without authorization, and for no legitimate business purposes. 
Please delete these inquiries from my credit report. For the company to do what fair and equitable to me as a consumer by deleting the items identifies as Identity theft from my consumer report.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX 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 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
Consumer complaint received 2021-02-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (CA)

For about a month I have been trying to get my mortgage company Flagstar Bank to release monies that they have from my insurance company XXXX to pay bills I have encored to restore my property due to the Glass Fire that happened on XX/XX/2020, at XXXX XXXX. {$260000.00} is the amount they have. I have given them XXXX in bills and canceled checks I have paid. They say first draw is XXXX. I requested an inspection one week ago and no one has called, and Ive let them no twice about this. I have an additional XXXX in bills I have submitted. One of which is {$35000.00} from my contractor XXXX XXXX. He has signed all the forms and a conditional waver of lean for this amount. At XXXX XXXX  on XX/XX/XXXX XXXX from Flagstar Bank called. I have the recording of this as she left a message. She stated that they need another waver of lean for the estimate of damage in the amount of {$390000.00}. That would mean my contractor is signing his rights away and he is not willing to do that. I do not know the law, but I believe that is an illegal practice. The only money they will get is the. {$260000.00} and we are rebuilding another way as it was our study and outbuildings and landscaping that was destroyed. We are building a pool house and will be putting our money into this. I called Flagstar Bank today and recorded the conversation with their permission. They were not able to get me a supervisor. Same as always. I believe 5 times I have tried via the phone and several times via e-mail. The representative said that they just need the lean papers signed. I asked for them to send them over via e-mail and it never happened. I have asked and demanded several times for them to release the first draw of XXXX and pay my contractor the {$35000.00}. They change the rules all the time. Please help. 
Thank you, XXXX XXXX
Consumer complaint received 2024-06-20
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)

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''
Consumer complaint received 2024-06-20
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)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( XXXX - XXXX, XXXX XXXX  - XXXX ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TN)

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/2024 to be removed. 

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

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


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-20
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. (MD)

Upon reviewing my credit report, I have identified the following hard inquiries that I do not recognize and believe were made without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are negatively impacting my credit score and overall creditworthiness.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

I found out the creditor didn't give the required XXXX notice with a statement. This would've let me pay on time and avoid late fees. This error made it seem like I didn't pay when I should have, which is the creditor 's mistake.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (RI)

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 me 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.

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
Consumer complaint received 2024-06-20
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)

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Consumer complaint received 2024-06-20
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)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. 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. Please remove these accounts and send me an updated copy of my report after the investigation.
Consumer complaint received 2024-06-18
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. (MI)

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of 2024, I've contacted XXXX XXXX XXXX to find out why thay are reporting a non-authorize inquiry to my credit report... I informed XXXX XXXX XXXX that I did not authorize ANYONE to run a inquiry. I explained that I contacted Equifax to ask for the removal of this inquiry and Equifax said that there's nothing that thay can do because XXXX XXXX XXXX is the company that is reporting it. I explained to XXXX XXXX XXXX that I have no open accounts that's connected to any services that XXXX XXXX XXXX XXXX proved. That this inquiry is truly foreign and unknown to me, it is definitely not mine ... And demanded that thay remove it from my credit report immediately. There is NO LEGAL VALIDATION of this inquiry to be reported on my report ... XXXX XXXX XXXX claims that there's nothing that thay can do.. Also This XXXX XXXX XXXX has no account num # on my credit report, it just shows posted date & there company name .... 

On XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX of 2024 I've contacted EQUIFAX and asked why are thay assisting XXXX XXXX XXXX in reporting inaccurate and incomplete credit information, According to the Fair Credit Reporting Act Section 906 ( a ) ( 1 ) ( A ), EQUIFAX are required by Federal law to VERIFY through the physical verification all accounts.. EQUIFAX replayed that there's nothing that can do, and was told to contact XXXX XXXX XXXX.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Payment Status for this account on XXXX and Equifax is listed as CURRENT. 
The Payment Status for this account on XXXX is listed as LATE 90 DAYS. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, Equifax and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account Number : XXXX
Consumer complaint received 2024-06-18
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo looted my bank account in the name XXXX XXXX Claiming I'm dead. My money was left in savings and wellsfargo claimed I was dead and looted my savings account and properties with my distant relatives.
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX XXXX  Account Number : XXXX The Date Last Active for this account on XXXX XXXX XXXX Date Last Active for this account on XXXX is XX/XX/XXXX. The Date Last Active for this account on XXXX is XX/XX/XXXX. This account isn't reporting at all on XXXX. This account is reporting in collections since XX/XX/XXXX on XXXX. This account is also reporting good payment history from XX/XX/XXXX to XX/XX/XXXX on Equifax. Then XXXX months XXXX past due on Equifax, XXXX XXXX XXXX. Then good payment XXXX XXXX XXXX followed by 120 past due for 4 months on Equifax again XXXX This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all XXXX bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. XXXX, Equifax and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXXXXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-18
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. (NJ)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Dear sir, I have received three letters from above mentioned office dated XX/XX/year>, XX/XX/year>, and XX/XX/year>. I do not recognize your statement my request to your office, since I am considered to fit for the settlement of data breach by your headquarters. Therefore, I do not have any reasons to provide my identification information to your office. Also, since I do not have to return your letters along with my identification information for resubmission. Of course, I will not enlarge photocopies to make the information legible for your office to avoid the identity theft.

Sincerely,
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The Date Opened for this account on XXXX is XX/XX/year>. The Date Opened for this account on XXXX and Equifax is XX/XX/year>. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, Equifax and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Consumer complaint received 2024-06-17
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. (FL)

I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per XXXX XXXX XXXX, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. XXXX XXXX Code XXXX ( a ) ( XXXX ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.