davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX I am writing to dispute a late payment reported on my credit report related to my auto loan account number [ # XXXX ]. This incorrect information is negatively impacting my credit score, and I believe it is inaccurate. 

According to the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681s-2 and 15 U.S. Code 1681i, you are required to correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Additionally, under the Truth in Lending Act ( TILA ), section 15 U.S. Code 1637 ( b ) outlines clear disclosure requirements for creditors to ensure that consumers receive adequate information regarding their payment obligations. Non-compliance with these provisions can result in inaccurate and harmful reporting for the consumer. 

I formally request a reinvestigation of my dispute and the correction of the inaccurate information related to this late payment. Enclosed are copies of relevant documents for your review. 

Details of the affected payment are as follows : DATE OF LATE XXXX DATE OF LATE PAYMENT XX/XX/XXXX DATE OF LATE PAYMENT XX/XX/XXXX DATE OF LATE PAYMENT XX/XX/XXXX If the necessary corrections are not made within 15 days of receiving this letter, I will file a formal complaint with the Consumer Financial Protection Bureau XXXX CFPB ) and consider other legal actions necessary to protect my rights. 

I expect to receive written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX SSN : XXXX
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX 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 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 XXXX ( 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 XXXX ( 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 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 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (WA)

I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are not mine. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2024-07-23
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: EQUIFAX, INC. (NJ)

Hello, Please fix the reporting of 30 days late in XXXX of XX/XX/XXXX. On XXXX XXXX apayment was submit ted. This payment was returned, and XXXX did not notify me until I noticed my credit score dropped from the late reporting. XXXX customer service claims that they emailed me on XX/XX/XXXX, to notify me that this payment did not go through, but I did not receive anything. XXXX customer service also admits that they did not try to contact me in an alternative method, such as a phone call, text, or paper mail. I have attached a screenshot of my emails from XX/XX/XXXX, there is nothing in my inbox. 
I would like this corrected as soon as possible. I am trying to purchase my first house, and this is hurting me. While there was some fault on my side, I do believe I should have been notified to submit repayment. Please call or email me with any questions.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My account with 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  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 2024-10-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

On XX/XX/XXXX, I reported the {$82.00} XXXX transaction charged to my citizens bank credit card ending in XXXX on XX/XX/XXXX as a goods not received dispute ( see citizens bank goods not received dispute ). 

The {$82.00} charge was for a XXXX overnight delivery of an envelope containing time sensitive documents. I paid XXXX XXXX$82.00} on XX/XX/XXXX for the envelope to be delivered via overnight/next day mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX see XXXX purchase receipt confirming intended address ). 

Instead, on XX/XX/XXXX XXXX  delivered the envelope to XXXX XXXX XXXX XXXX XXXX XXXX, Texas ( see XXXX tracking history confirming envelope went to wrong address ). Therefore, I requested that citizens bank issue me a credit for {$82.00} for the overnight delivery. 

On XX/XX/XXXX, citizens bank sent me a letter acknowledging receipt of my dispute and issued me a provisional credit for {$82.00} ( see citizens bank letter dated XX/XX/XXXX ). 

However, on XX/XX/XXXX, citizens bank sent me another letter saying that my provisional credit of {$82.00} was reversed because the merchant provided documents showing that I received the services as rendered ( see citizens bank letter dated XX/XX/XXXX and documents provided by merchant ). 

Additionally, I pointed out to citizens bank that no where in the documents provided by the merchant does it show that the merchant sent the envelope to the correct address in XXXX, XXXX Texas and I asked for reconsideration. Citizens bank claims to have sent me a letter sometime in XX/XX/XXXX in response to my request for reconsideration that I never received because Citizens bank admits to sending this letter to the wrong address. 

In addition to Citizens banks unprofessional way in which they handled the claim on my end, XXXX claims that after Citizens bank reversed my provisional credit they then at a later time pulled the {$82.00} back from XXXX without reissuing me the {$82.00}. This resulted in XXXX reporting a fraudulent debt of {$82.00} to a collection agency that XXXX claims I owe to them, which I do not legitimately owe ( See XXXX  bill for {$82.00} ). 

Citizens bank errored in the investigation of my claim and has no legitimate grounds to have reversed my provisional credit on {$82.00}. Furthermore if it's true that Citizens bank later pulled the {$82.00} back from XXXX without reissuing the {$82.00} they had no legitimate grounds to withhold the money from me. 

I respectfully request that Citizens bank reissues me my credit for {$82.00} and clarifies whether or not they really pulled the {$82.00} back from XXXX at a later time. 

Respectfully, XXXX XXXX
Consumer complaint received 2024-07-26
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. (TX)

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 XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX XX/XX/year> 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 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

XXXXXXXX XXXX charge off for 2 accounts XXXX of 2023, A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. As law 15 USC 1681b states credit agencies must have written instructions from myself giving permission to allow reports to go on my report, therefore was not permitted by me, I ask that this company verify and written permission stating of my permission. As law 18 USC 1028A XXXXXXXX XXXX and any other report has used my personal information without lawful authorization.
Consumer complaint received 2024-09-20
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/year>, Capital One NA and on XXXX XXXX, XXXX XXXX XXXX both conducted a hard inquiry on my credit report through XXXX, XXXX, and XXXX. I did not attempt to apply for auto financing or any kind of credit through these lenders so I called and/or went online to all three credit bureaus to place a freeze and fraud alert. 

I notified the local police but they advised there would be no utility in making a report since I had not actually been financially harmed. 

I called XXXX XXXX XXXX and they advised that I needed to contact the credit bureaus to dispute the inquiry. 

I called Capital One and they advised me to send them a letter detailing the dispute and a copy of my credit report. They received the letter on XX/XX/year> but as of XX/XX/year>, the inquiry was still on my XXXX credit report. 

I disputed both inquiries with all three credit bureaus. XXXX and XXXX removed them both after a simple phone call. On XX/XX/year>, XXXX called and advised I would need to send in an FTC.gov fraud report in order for them to remove the inquiry.
Consumer complaint received 2024-09-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY (LA)

I have provided documentation on my mother 's mortgage to Wells Fargo. They claim she is not on the title for the mortgage ; however, she has been here in the house since inception since XXXX. The XXXX XXXX XXXX XXXX XXXX has provided me everything they have on this mortgage. Wells Fargo insists that my mother is not on the title and has issued and acceleration for {$10000.00} by XX/XX/XXXX. I have been in home preservation status since XX/XX/XXXX and have been going back and forth with them to prove she is on the deed ( title ).
Consumer complaint received 2024-07-23
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. (AZ)

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the reme
dy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXXXXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Consumer complaint received 2024-10-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: ZIONS BANCORPORATION (AZ)

On or around the third week of XX/XX/XXXX, I was selling a home that had a XXXX in place, with a balance. I requested a payoff via an e-request, as did the escrow company handling the transaction. With a closing date set for XX/XX/XXXX, the escrow company, nor myself had received a payoff as of XX/XX/XXXX. The escrow company reached out for my help, as the consumer. I visited the local branch, where the XXXX was obtained, and requested the payoff. A branch employee generated the payoff, and I delivered it to the escrow company. On XX/XX/XXXX, the sale transaction was closed, the payoff amount was sent to the lender with additional per diem interest, as per the payoff. 
In the month of XX/XX/XXXX, I received notice from the lender that a payment is due. I supplied a copy of the final CD, to the lender, and also contact the escrow to assure myself that the XXXX had been paid in full, and the XXXX closed. The lender reached back out to me, an told me that the account was in fact, still open, and a portion of the early payoff fee had not been paid. To be clear, the XXXX was expected to be collected, but it was also expected to be included in the payoff quote provided by the branch. The escrow company also verbally confirmed the written payoff would extinguish the XXXX before issuing the final CD - and presumably the new property owners final title policy. 
Regardless, the call in XX/XX/XXXX was to notify me that the payoff issued XX/XX/XXXX was not correct, in the fact the XXXX fee was not included, and thus not collected. 
At this point, I was frustrated, and requested that the XXXX fee balance be waived, citing and sharing the evidence the lender had provided. The XXXX fee balance was not waived, and I was told not paying it would leave the XXXX open, and subject to the accumulation of fees, more money owed, etc. 
I took a breath for a day, and came to terms with paying the additional amount. It was a valid fee, but I was of course, disappointed with the lenders error. 
Fast forward to this week... In the mail, I received XXXX XXXX checks for the XXXX subject to this complaint. As of this date, the XXXX is still open, and the lender continues to send me correspondence to access/utilize it. 
I could share the seemingly endless number of times I have corresponded with this lenders servicing and customer service departments, but it appears they need oversight. 
I am XXXX XXXX XXXX of XXXX years - I can not imagine how compelling this lenders servicing department might be for a typical consumer - National Bank of Arizona XXXX AZ XXXX National Bank of Arizona ( servicing ) XXXX, UT XXXX I can provide documentation as needed-
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

These accounts are illegal and I have already made an identity theft report. These collections are fraudulent. I've hired a credit specialist and I've placed security alerts on my bureaus. This is my second time having this issue with these accounts and inquiries that I did not authorize. Please remove them ASAP XXXX XXXX XXXX XX/XX/XXXX {$590.00} XXXX XXXX XXXX XX/XX/XXXX {$840.00} XXXX XXXX  XX/XX/XXXX {$4900.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} XXXX XXXX {$250.00} XX/XX/XXXX = Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Consumer complaint received 2024-07-23
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 company 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.