davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-19
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 have provided all four 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.
Consumer complaint received 2024-06-19
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. (NM)

I am writing to formally dispute multiple inaccuracies on my credit report and to bring to your attention the violations of my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. Despite submitting disputes to the three major credit bureaus ( Equifax, XXXX, and XXXX ) on XX/XX/XXXX, I have not received any responses. My name is incorrect and I believe someone may have tried to open accounts in my name. I have never went by the last name XXXX. 

In accordance with the Fair Credit Reporting Act ( FCRA ), the following accounts have reported inaccurate information, thereby violating 15 U.S.C. 1681s-2 ( a ) ( 1 ), which states that 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 : XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX Account/SSN XXXX XXXX XXXX XXXX XXXX Account/SSN XXXX XXXX These inaccurate accounts have significantly impacted my credit report, and I have not been afforded the resolution required by law. The lack of response from the credit bureaus further aggravates this violation.

I am requesting the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that these inaccuracies are corrected or removed from my credit report in compliance with the Fair Credit Reporting Act.

Thank you for your attention to this urgent matter. I look forward to your prompt resolution of these violations.
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to file a complaint regarding specific negative items reported on my consumer credit report. Upon reviewing my credit report, I have identified inaccuracies in the reporting of these negative items, which have adversely impacted my financial standing. 

Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with was never late! I have had exceptional payment history witH XXXX XXXX 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 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 60 days 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. 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 XXXX
Consumer complaint received 2024-07-10
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. (FL)

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.

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 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

Someone took a {$50000.00} Personal loan in my name that I did NOT authorize. This is considered FRAUD! According to the ( Fair Credit Reporting Act ), Legally these unverified & unauthorized items must be removed.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I submitted a dispute XXXX to challenge information on my credit report ; XXXX XXXX, XXXX and XXXX to investigate and update all inaccurate accounts promptly, But all I got was a generic stall letter with no real updates or progress. I am reaching out to you in the hopes you can help resolve the matter.
Consumer complaint received 2024-06-19
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. (GA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC1681.

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct : XXXX Hard Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute an inquiry, from Equifax on XX/XX/2024, as inaccurate as I did not authorize it. According to the fair credit reporting act when a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information that I believe to be inaccurate or incomplete. The act mandates that credit reporting agencies must investigate disputes, correct any inaccuracies, and provide a response to the consumer within 30 days.

I request that you investigate this matter and remove the unauthorized inquiry from my credit report as soon as possible. I have attached a copy of my credit report with the disputed inquiry highlighted, along with any supporting documentation to substantiate my claim.

Please provide me with a written confirmation once the unauthorized inquiry has been removed. If you require any further information, please contact me at the phone number or email address listed above.

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-19
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  90 days 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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

Delete the late payments from my consumer reports
Consumer complaint received 2024-07-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (CA)

My HELOC was sold to XX/XX/XXXXserviced by Shellpoint. My loan is at a fixed interest rate and payments are {$490.00} on or about the XXXX of each month. The loan is current with the last payment made XX/XX/year>. I just received a letter stating on XX/XX/year> my payment is now {$610.00} and could increase based on interest rates. My loan is FIXED. I called and could not reach a representative. After 30 minutes on hold, I was dumped back into the automated system where the message said the office was closed. Business hours were identified as M-F XXXX and Saturday XXXX, no time zone. I called during the XXXX hour pacific time.
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

Here 's a description of what happened for your complaint : What Happened : On XX/XX/year>, a hard inquiry from Capital One Bank USA NA appeared on my credit report. This inquiry was not authorized by me and is a result of identity theft. I have not applied for any credit or services with Capital One Bank on or around this date. I have taken steps to address this issue by contacting the relevant authorities and filing a police report for identity theft. Despite these efforts, the unauthorized inquiry remains on my credit report. 

I request that Capital One Bank investigate this issue and remove the unauthorized inquiry from my credit report.
Consumer complaint received 2024-07-26
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: SUNCOAST CREDIT UNION (FL)

XX/XX/XXXX. I searched online for a used XXXX XXXX XXXX XXXX XXXX XXXX. I found a website called XXXX  I called and spoke with a sales rep and purchased a {$3000.00} used engine. I was told it would arrive in XXXX business days with all my packing information on a pallet. It was scheduled to be delivered to my job by freight. XXXX weeks passed. I remained contact with the sales rep during this time and was told it was delayed or missed the truck. After a few more weeks I disputed the charge with visa. This is now almost XXXX, XXXX. The sales rep started to refuse my calls, texts, voicemails and emails. I provided documents containing the dates, item, sales amount and contact attempts to the merchant. The bank temporarily refunded my {$3000.00} while waiting for a merchant rebuttal. A rebuttal was received in XXXX stating I own & operate a business website called XXXX and I own XXXX XXXX XXXX with XXXX. It also states I have purchased {$160000.00} in XXXX advertisement for this account. The bank then took back the {$3000.00} and has now concluded the dispute as a valid charge. I have attempted to contact XXXX to see if I can receive documents proving I do not own any advertising accounts with them. They were unhelpful as they stated XXXX is a consumer run product. This charge has now affected my credit due to the bank reporting non payment. Once again. I purchased an engine online and it was never received. The merchant states I purchased more advertising for my non existent website and account. I researched the website on the rebuttal and it comes up on scam trackers website. I dug a little deeper and the website is owned and operated by a man in XXXX. All of this found information was sent to the visa dispute center. No resolution is attempting to be made to help rectify my fraudulent charge. I am beyond upset it has now taken almost XXXX months of my time and the dispute center does not want to do their research on an obvious fraud.
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 ). 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: 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. (TX)

I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.
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)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
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: CBC Companies, Inc. (FL)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-07-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC (NJ)

XXXX XXXX Disrupted Leading into XXXX, oddly, I was on my third attempt working with a realtor to sell my home. During one attempt in particular, the realtor was unable to sell the home. The realtor simultaneously refused to release the home from the realtor contract preventing me from listing with another realtor!? The aforementioned real estate office is no longer in business. 
I believe I was directed away from working with a reputable realtor or any other process that would require a title review or a legal review because it would have revealed that the mortgage was indeed discharged. Instead, I was forced into the foreclosure process which has discretionary discovery but not the hard requirement of a title professional or the like which would have revealed that the mortgage was discharged.

All the while, different entities were sending collection statements/requests, which were visually similar to mortgage statements, that are not affiliated with the property or in any way required; XXXX XXXX XXXX XXXX XXXX XXXX  ( including all banks following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Shellpoint NewReez XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  ). 
Eventually after I stopped paying the questionable statements, XXXX XXXX XXXX XXXX filed a foreclosure complaint without any known standing to do so. 

XXXX XXXX XXXX XXXX  of the attack I experienced was what I refer to as a XXXX XXXX XXXX which is where the perpetrator ridicules the victim as a ploy before asking for money as if the victim is curing their shame by paying. During calls and inquires there werent many answers being given but more shaming & blaming leaving the situation not only unresolved but the conversation usually ended with a demand for payment. 
The purpose of the attack was to make someone uncomfortable, make someone want to move out of their home without due process, such as in the case of a foreclosure proceeding or private sale outside of the review by a title professional or the like. 

Misinformation Many of my friends, family and coworkers have received concerning phone calls related to me. These calls dont accuse of anything but rather leave the recipient with questions about what might be concerning me. For example, a family member received a call regarding the foreclosure ( not from the court ) insisting the family member locate me and ask me to call them. The family member questioned why the caller did not locate me using the same process they used to locate the family member. The family member also questioned what the family member has to do at all with the foreclosure. 
I believe the call was not from a concerned individual looking for me but an attempt to sow discord with a friend, family member or coworker. Actions such as these have affected my ability to work and have certainly contributed to the difficulty. 

XXXX Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Orignal Claimer ) Account Number : XXXX
Consumer complaint received 2024-07-26
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (NC)

I received a letter on XX/XX/XXXX that my interest rate will be increased to 34.24 % starting XX/XX/XXXX. My current interest rate is 22.49 % ( I think it was about 19.24 % in XXXX and before that and in the past XXXX yrs or so 18 % and I think originally 11-12 % ). I have a credit score over XXXX and have had this card for about 20 yrs. I have never been late and generally pay it off every month. 

I am appalled that a CC company would gouge consumers like this and that they are allowed to do this. I can only imagine what they charge someone who doesn't have my financial track record. 

I have not reached out to the CC company for 2 reasons : 1 ) I think this is unacceptable and am not interested in just getting relief for myself. I'm concerned about the impact on people who are struggling financially, more so than I am. 2 ) If I don't accept these terms they will " close my account ''. 

What is being done to protect consumers? Are they just allowed to charge whatever they want and be flagrant profiteers on the backs of consumers? Is there greed allowed to go unchecked? They are no better than pay day lenders! Will it be 50 % next year? I'm disgusted! Something needs to be done!
Consumer complaint received 2024-07-26
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: Cascade CISS Holdings, LLC (NY)

have hard inquires for morgage loans im not aware of. i recently came home from incarceration and have no idea of this and rewcently obtaining important docs XACTUS LLC XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-07-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NJ)

Received a phone call from ( XXXX ) XXXX at XXXX hours this morning on XX/XX/year>. A female confirmed my name and stated the county in which I reside ( XXXX, NJ ) was going to serve me legal paperwork from HSBC ( presumably for a debt, since they are a bank ). She further stated I had previously indicated on a recorded line I was going to pay something through a portal and failed to do so ( which never occurred ). She knew my full name and address.