davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXXXXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXXXXXX XXXX XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made on time : The payment was made before the due date, but it seems there was a processing delay on the creditor 's end. I have attached bank statements showing that the funds were deducted from my account well before the due date. 
Clerical error by creditor : XXXX XXXX XXXXXXXX has admitted that the late payment was due to an internal error in their billing system, and I have attached a letter from the creditor confirming this issue. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX.
Consumer complaint received 2022-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2019-11-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Contacted Bank of America ( BofA ) on XX/XX/2019 and requested a copy of all my XXXX activity since its inception in XXXX, or whenever it was first introduced to customers. What I am looking for is a breakdown of transactions that were canceled, marked as paid, or expired. The representative told me, Ill get the information in 7-10 days. I received an email from BofA on XX/XX/2019 informing me the case was closed because they were unable to complete the request. I called BofA to follow up on the email on XX/XX/2019 and was informed by the rep that it was closed because the case was handled in the wrong department. The rep from XX/XX/2019 informed me she would submit two new requests and I should have the information in a few days. On XX/XX/2019, received a letter from BofA informing me one of the requests was closed and the information requested can be found on my monthly statements online after I explicitly told all the reps I spoke with that the statements do not provide me the details I am looking for. I called BofA for a third time on XX/XX/2019to follow up on the letter received and was told by a supervisor that I needed to contact XXXX to get the information. I called XXXX and was informed that BofA is incorrect and they should be providing me with the information. The XXXX rep conferenced in BofA and informed them that they are to provide me with the information. On XX/XX/2019, I spent 2 hours on the phone with BofA being transferred to different departments and still no one is willing to provide the information I am asking for. On the last transfer, I spoke with another supervisor named XXXX, who in my opinion was rude and not helpful. Ive explained to everyone Ive spoken with that BofA transfer and request activity on their website will only allow me to view the last 6 months of activity. XXXX informed me he could not provide what I was looking for and needed to go a branch. I informed him that was unacceptable as I have made multiple calls since XX/XX/2019 and no one ever advised me to go to the branch. He attempted to try to transfer me for 5th time and I declined. Informed XXXX that I would like to make a complaint to the CEO or higher up executive and he provided me with XXXX XXXX email address. After review of the BofA website, it appears the Chief Client Care Executive name is XXXX XXXX and not XXXX. 
Financial institutions are required to keep records for a minimum of 7 years, and it should be this difficult to get the information I am looking for.
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: EQUIFAX, INC. (TX)

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family
Consumer complaint received 2023-11-12
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)

I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to I provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : I have improper names and address that also need removal and phone numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-09-20
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. (NY)

In accordance with the fair credit reporting act these creditors have violated my rights! Under 15 U.S.C 1681 Section 602 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 refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''. 

I demand that the following accounts be removed immediately : XXXXXXXX XXXX XXXXXXXX Charge-Off account. 

XXXXXXXX XXXX XXXX XXXXXXXX Charge-Off account. 

I am also requesting monetary compensation for each violation.
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

Hello, 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 me and it's taking a toll on my mental health just because of my credit score being unfairly affected due to these errors on my credit report hindering me from achieving financial freedom.
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 XXXX XXXX Account Number : XXXX Account Name : DXXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX - XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX 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.

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.

Equifax 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 2024-09-20
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. (TX)

IM A VICTIM OF IDENTITY THEFT PURSUANT, TO FEDERAL LAW SECTION 605B FRAUD MUST BE BLOCKED AND REMOVED. LISTED ON THE ATTACHED PAPERWORK ARE FRAUDULENT INQUIRIES AND ADDRESSES. PLEASE READ IN DETAIL MY FTC REPORT.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (WA)

Today I tried to retrieve my free annual credit report from Experian via XXXX, the authorized site for this purpose under federal law. Experian 's system refused to provide me access to my credit report after I had provided my identity information, as Experian is required to do by law. Experian, in fact, has prevented me from accessing my report in this fashion for years. The last time Experian successfully provided me a credit report via annualcreditreport.com was on XX/XX/2015. Yes, 2015. More than eight years ago. Since then I've had to send them snail mail and/or file regulatory complaints to obtain my report, despite Experian 's obligation under federal law to have a WORKING system on annualcreditreport.com. 

Experian needs to fix their part of the XXXX web site. Experian needs to provide me with the free copy of my credit report that I am entitled to. The CFPB must fine and sanction Experian for Experian 's pattern and practice of breaking the law.
Consumer complaint received 2018-08-15
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (NY)

Pervasive and consistent failure of Chase to abide by FCA. Will not investigate dispute properly. Will not provide contact information to claims person. Will not provide information forwarded by merchant. Internal person assigned does not speak English. Chase will not look at evidence or merits of claims presented by consumers and will rely on self-serving, non-evidentiary information provided by merchant each and every time.

I have tape of conversation with Chase representative evidencing pervasive fraud and failure to abide by FCA.
Consumer complaint received 2019-11-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LendingUSA (CA)

On XX/XX/2016, someone fraudulently leased a puppy from a company called XXXX, which did financing through Lending USA. XXXX  is no longer in business, but Lending USA still owns the debt owed for this dog lease. Lending USA has sent the balance of the unpaid loan to multiple collections agencies ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, etc ), and each time I dispute this account because I did not open it. Each time, the collections agency closes the account and sends it back to Lending USA, who sends it to a new collections agency. I have filed a police report, an FTC affidavit, and two CFPB complaints ( one against XXXX, one against XXXX XXXX XXXX ) regarding this issue. The account was opened by someone using the name XXXX XXXX, which is not my last name, and had monthly payments set up with a bank account with XXXX XXXX XXXX XXXX that I have no association with. They also used an address I am not familiar with. I have tried to dispute this account directly with Lending USA, as recently as last week, but they tell me they don't have any documents on file regarding my dispute and when I sent in all supporting documents again, they respond by telling me to deal with the collections agency. I have already contacted the most recent collections agency ( XXXX XXXX ), over a month ago, and they told me they would close the account and send it back to Lending USA. This is a never ending cycle, and Lending USA continues to send this debt out to different collections agencies instead of dealing with my fraud claim and closing this account. I do not owe this amount to Lending USA, I have years of documents supporting my claim, and I am not sure what needs to happen to clear my name from this.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NJ)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP TO MY CREDIT AND ALSO TO ME PERSONALLY. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. THERE IS SO MUCH I WOULD LIKE TO ACCOMPLISH BUT IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. MY LIFE IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.
Consumer complaint received 2023-12-14
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. (NY)

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 investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Summit Horizon Financial Services (MI)

I was contacted by phone on XX/XX/2023, a XXXX XXXX from XXXX XXXX XXXX  XXXX. XXXX contact number is XXXX. He claimed to be working with the federal student aid office stating that they could help me through the application process for the loan forgiveness for part of my loans. They had much of my personal information, which led me to believe that they were working directly with this department. They outlined a payment plan that they claimed would guarantee me forgiveness for a significant portion of my loan if the initial payments were made. They did not say that the payment amount was for their services, not directly going to the DOE and I was misled into signing a contract with them. I have been charged the first amount but do not wish to continue business with them. Particularly after doing more research and finding them related to Summit Horizon Financial Services which has many complaints on the XXXX for the same issues I had. I would like a refund and for this contract to be nullified, but I also hope to flag this company as a scam so that future students don't get misled like I was.
Consumer complaint received 2024-09-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (LA)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.